Understanding Your Auto Insurance Policy
Understanding your auto insurance policy is essential for making sure that you have adequate coverage. While every policy is unique, there are certain terms that consistently pop up.
![Nevada Insurance Enrollment logo - PNG 350x150 Nevada Insurance Enrollment logo - Nevada State outline divided into four colors of dark blue, light blue, orange and yellow](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
Your Auto Insurance Contract is Made Up of Five Sections
1). Declarations Page
Is unique to you and contains information that is specific to your household.
2). Insuring Agreement Page
Outlines the coverage options and limits that you purchased.
3). The Exclusions Section
Tells what is not covered by your policy.
4). The Conditions Page
Outlines the legal responsibilities of both you and your insurer.
5). The Definitions Page
Which may be referred to as the “fine print,” defines the terms and gives an overview of the rights of the policyholder and the insurer.
![Farmers Insurance - Shelly Rogers Agency logo 500x100 2 Quote and or Enroll](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/02/Farmers-Insurance-Shelly-Rogers-Agency-logo-500x100-2.jpg)
![Farmers Insurance - Shelly Rogers Agency logo 500x100 2 Quote and or Enroll](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/02/Farmers-Insurance-Shelly-Rogers-Agency-logo-500x100-2.jpg)
Key Points to Remember When Building Your Auto Insurance Policy
As you’re building your auto insurance policy, remember that a low monthly rate is only part of what makes a policy a good fit for you. A bare-bones auto insurance policy with a high deductible might come with an attractive premium, but it will probably leave you in trouble financially if you ever have to actually use it.
Remember that you are only covered up to your policy limits. If your policy says that you have $25,000 in bodily injury coverage and you are responsible for a collision that left someone with a $100,000 medical bill, you’ll be responsible for covering $75,000 out of your own pocket.
Questions You Should Ask Your Agent
Your auto insurance needs are unique, and your policy should be also. Knowing the right questions to ask your auto insurance agent as you’re building a policy can help ensure that you get great coverage at a great price.
continued below ⇓
Recent Posts
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
Will Health Insurance Cover Rhinoplasty?
As is the case with all elective surgeries, rhinoplasty is not covered by health insurance when the procedure is not medically necessary. Cosmetic rhinoplasty changes the overall appearance of the individual’s nose by reshaping it or reducing its size.
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
How Many Hours Can You Safely Drive?
If you are not accustomed to spending hours per day in your car, it can be difficult to determine how quickly you should aim to reach your destination.
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
Health Insurance Requirements For Small Businesses
On the employer’s end, providing health insurance can be costly and complicated. However, it can also be a reliable way to bring in new hires, improve productivity and boost morale and job satisfaction. Small businesses that want to provide this benefit have options that let them do so affordably.
![Farmers Insurance - Shelly Rogers logo 300x90 Blue letters spelling out Farmers and red letters spelling insurance. Semi circle red and blue logo on the left](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Farmers-Insurance-Shelly-Rogers-logo-300x90-1.jpg)
![Farmers Insurance - Shelly Rogers logo 300x90 Blue letters spelling out Farmers and red letters spelling insurance. Semi circle red and blue logo on the left](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Farmers-Insurance-Shelly-Rogers-logo-300x90-1.jpg)
Auto Insurance Quotes
2). Online Quote
3). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
Choosing the Right Auto Insurance in 6 Easy Steps
Nevada drivers are required to carry auto insurance, but in most cases, state minimum coverage isn’t enough. Building the right auto insurance policy can protect you when you really need it versus just getting the cheapest plan possible, helping you to save money and reduce stress.
Step 1: Do Your Research When Buying a New Vehicle
If you’re buying a new vehicle, upfront costs aren’t the only costs to consider. You should ask your agent for a pre-quote for how much your new vehicle will cost to insure. Some vehicles are more likely to be stolen or cost more to repair in an accident and are therefore more expensive to insure. On the other hand, safety features and anti-theft devices can bring down insurance rates. Your auto insurance agent can help you figure out which vehicles are the most affordable to insure.
Step 2: Auto Insurance Discounts
Depending on your payment history, your occupation, what type of vehicle you’re insuring, whether you’re eligible for discounts like military discounts, occupational discounts (like being a Nurse, etc.) good student discounts, or early shopper discounts, etc., your premium will vary widely from one insurer to another. Speaking to your auto insurance agent about possible discounts can help you make sure that you are taking advantage of all the available discounts.
Step 3: What Insurance Coverage Do I Need?
Talk to your auto insurance agent about your driving habits, such as whether your vehicle is strictly for personal use or whether you also drive for business purposes, including rideshare companies.
Step 4: Who Can Drive My Car?
If anyone in your home has access to the vehicle and are licensed drivers, or anyone else that has regular access to the vehicle (friend, relative, or neighbor) should be on your policy.
Step 5: What Types of Insurance Coverage Should You Choose?
In addition to Nevada’s state minimum coverage requirements, there are several other types of auto insurance add-on coverages that may benefit you. These may include: collision, comprehensive, rental car coverage, uninsured/underinsured motorist, medical payments, and roadside assistance/towing.
Step 6: Begin to Build Your Auto Insurance Policy
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Different Coverages That Are Available
A good auto insurance policy isn’t just one that’s easy on your bank account; it’s one that provides adequate protection in a variety of circumstances. Oftentimes, when a policyholder is unhappy about how a claim is settled, it’s because they didn’t fully understand the coverage that they do (and just as importantly, don’t) have. Your Nevada Insurance Enrollment auto insurance agent can help you understand the different types of auto insurance products that are available and help you build a policy that meets your needs.
♦ Liability Insurance
Liability auto insurance is among the most important types of coverage that you will have; in fact, it’s so important that it is required in most states, including Nevada. This type of insurance covers any losses incurred by the other driver in an accident that you are responsible for, up to your policy limits.
♦ Collision Insurance
While liability insurance covers the driver who isn’t at fault in a collision, collision auto insurance does the opposite: it covers the policyholder’s own repairs when they’re responsible for a collision.
♦ Comprehensive Insurance
Comprehensive auto insurance covers losses that aren’t from a collision, such as damage from natural disasters, vandalism and theft.
♦ Medical Payments Coverage
Medical payments coverage is optional coverage that is used for medical expenses following an accident.
♦ Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage can be added to a policy to ensure that if you’re in an accident and the at-fault driver doesn’t have insurance or doesn’t have enough insurance, you won’t be left footing the bill.
♦ Gap Insurance
If you’ve financed your vehicle, there’s a good chance that at some point during the lifetime of the loan, you’ll owe more on your vehicle than it’s worth. Gap coverage pays out the difference between what your vehicle is worth and what you owe on it in the event that it’s totaled or stolen, letting you pay your loan balance in full.
♦ Mechanical Breakdown Coverage
Mechanical breakdown coverage is similar to an extended warranty offered by car dealers. Different levels of coverage are available, but most provide protection for your vehicle’s brakes, drivetrain, transmission and fuel system.
Before altering your policy, talk to your auto insurance agent to make sure you understand how the changes could affect you.
Contact Nevada Insurance Enrollment Today
Auto insurance can be confusing, but we’re here to help. Give us a call today to discuss your policy and to make sure that it will give you the financial protection you need if you’re involved in an accident.
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Health Advice From Centenarians
Gardening has been shown to positively impact our moods, reduce stress and alleviate symptoms of anxiety and depression. However, studies have shown that the benefits of this hobby may extend even beyond promoting a sense of contentment and well-being.
Does Health Insurance Cover Sex Change?
Gender reassignment surgery in order to be considered medically necessary, certain criteria must be met, such as if a qualified mental healthcare professional provides a referral and medical or mental health concerns are present.
Does Health Insurance Cover Dermatology?
Health insurance pays for dermatology appointments in the same way that it does any other visit with a specialist. If the treatment you are seeking is “medically necessary”, and you have followed your plan’s rules for getting referrals or seeing in-network providers, you will not have to pay for your care entirely out of pocket.
What Is A Prescription Drug Deductible?
A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
Health Advice From Centenarians
Gardening has been shown to positively impact our moods, reduce stress and alleviate symptoms of anxiety and depression. However, studies have shown that the benefits of this hobby may extend even beyond promoting a sense of contentment and well-being.
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
Does Health Insurance Cover Sex Change?
Gender reassignment surgery in order to be considered medically necessary, certain criteria must be met, such as if a qualified mental healthcare professional provides a referral and medical or mental health concerns are present.
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
Does Health Insurance Cover Dermatology?
Health insurance pays for dermatology appointments in the same way that it does any other visit with a specialist. If the treatment you are seeking is “medically necessary”, and you have followed your plan’s rules for getting referrals or seeing in-network providers, you will not have to pay for your care entirely out of pocket.
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
![Will Health Insurance Cover Rhinoplasty?](https://www.nevadainsuranceenrollment.com/wp-content/uploads/2023/01/Nevada-Insurance-Enrollment-logo-PNG-350x150-1.png)
What Is A Prescription Drug Deductible?
A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.