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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 get a recall notice in the mail, read the letter carefully. It describes the issue and outlines any risk that it poses or warning signs that you should pay attention to. It also gives you a timeline within which you have to schedule an appointment with a licensed dealer to have the issue taken care of.
Health Insurance Open Enrollment is Here! Open Enrollment for Obamacare health insurance coverage is from November 1st, through January 15th. If you call after January 15th, you will have missed the time frame to receive a Health Insurance Subsidy and a Qualified Health Insurance Plan.
Regardless of your age, headlights that work well can help you stay safe while driving in the dark. Over time, your headlights may lose their intensity. Replacing worn headlights with new ones can help you see better at night. There are three main types of headlights, each with benefits and drawbacks.