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The responsibility of who pays what in Nevada is contingent on who’s at-fault in an auto accident. All drivers in Nevada have an obligation to drive their automobiles safely to reduce any risks of potential accidents. In Nevada, if you are the at-fault driver (the person that caused the accident), then you are responsible to “make whole” the individual or property you hit.
The insurance company and the at-fault driver may be responsible to pay for the damages to the victim’s car, any property damage, lost wages, and injuries (medical bills). The insurance company of the at fault driver would be responsible for the damages caused, UP TO THE LIMIT of their insurance policy. Once the limits of the policy have been exhausted, the at fault driver could be held responsible or get sued to pay the remainder.
If the victim that got hit has “UM/UIM” (uninsured motorist/underinsured motorist), on their policy, this coverage may pick up what the at-fault drivers’ policy lacks. UM/UIM is not required by law to have in Nevada. Underinsured and uninsured motorist means your auto insurance company will cover you for accidents you didn’t cause that the other party didn’t have enough coverage for, or in the event of a hit and run.
All drivers are required by law in Nevada to stop at the scene of an accident. It’s important to exchange insurance information and call the police or fire and rescue if someone is hurt. We recommend taking pictures of damages, reporting the number of people involved, and reporting the details of the accident to the insurance company as soon as possible.
Again, Uninsured and Underinsured Motorist in Nevada is NOT required, however, it is a great addition to your policy.
Here at Nevada Insurance Enrollment we will make sure you have the right coverage needed. Talk to one of our licensed auto insurance agents to better assist you.
If you ride a motorcycle, then you need an insurance policy that protects you and your investment. Understanding what coverage is available and even more importantly, what coverage is legally mandated, can ensure that you enjoy your bike for years to come.
The vehicle’s history report includes information such as its previous owners, open recalls and damage, accidents, repairs, maintenance history, and odometer readings. If you are buying the vehicle from a dealership, then they will probably provide you with the report if you ask for it.
Every state has its own laws for what you should do with your license plates if you sell your vehicle or cancel your auto insurance policy. In some states, you are allowed to keep personalized and vanity plates, but you must turn in regular license plates.