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Nevada has taken the first steps toward an in-house enrollment site (Nevada Health Link), which would offer a better user experience and significant cost savings over Healthcare.gov. However, some experts see the merit in the switch, others are concerned that it will be a repeat of the 2014 fiasco.
In April of 2017, the Nevada Senate approved a bill that will nearly double the minimum liability coverage limits. Beginning on July 1, 2018, drivers will be required to carry at least $25,000 in bodily injury liability, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability.
Med Pay is a great benefit to be added to your auto insurance policy. Med Pay is usually available in lower sums, like $1000, $5000, etc., regardless of who’s at fault in an accident. Med Pay can be used to pay for some of you and your passengers’ health insurance related costs.
Most insurers offer a variety of discounts that can help you save money on your monthly insurance premium. Most drivers know that if they insure two cars under one auto insurance policy, they’ll pay less on that one policy than they would on two separate policies.
Determining if you can use a personal auto insurance policy or that you should get a commercial auto insurance policy can be tricky. Sometimes you can buy a personal auto policy for business use and can be enough for some businesses. But if you are required to cover high liability coverage, have an unusual vehicle to insure, haul equipment, are a taxi or rideshare driver, you are probably going to need commercial auto insurance or special endorsements and coverages.
The Division of Insurance (DOI) stated that Nevada’s insurance carriers have decided to only offer coverage to Clark, Washoe, and Nye counties beginning in 2018. Nevada’s Exchange actively exploring potential solutions and resources for consumers facing limited to no coverage options.
If you have a car that you are just storing, or if you’re planning to leave your car here in the U.S. while you leave the country, or if you just don’t drive the car and don’t want to pay for auto insurance, here are some tips to consider before doing so.
If you feel like you are victim of an insurance scam accident, first thing to do is call 911. Take pictures of the other passengers and make note of who is in the car at the time of the accident. Take pictures of the damage and who was driving and note exactly what happened, along with getting all license plate numbers involved.
Many drivers would not even consider looking into insurance coverage on an after-market audio system. There are a few things to consider, however. Is it covered by your auto insurance?
This also applies to damage that occurs after the accident. While you may consider the damage from the accident and the damage from the tow truck to be all one incident, your insurer will view it differently.
If your friend was hit by an insured driver, the process will be simple enough. The at-fault driver will file a claim with their insurance company, who will pay to get your vehicle back to pre-accident condition. If the collision was bad enough to cause an injury, the at-fault driver’s auto insurance could also cover medical bills, lost wages and any other expenses associated with the accident.
Generally speaking, anyone who lives with you that has a drivers license – whether they’re a member of your family or not – is considered by your insurer to be a member of your household. College students away from home without a vehicle aren’t required to be on a policy, and could be a “permissive” driver.
If your auto insurance policy has comprehensive coverage, then you will be financially compensated for your stolen vehicle.
One thing that many people are surprised to see impact their insurance premium, is their marital status. Generally speaking, married people spend less than singletons on their auto insurance, even when all other factors are the same. Simply put, married couples pay less.
Liability coverage helps cover the costs of any bodily injuries or property damage that results from a collision that you caused (when you are at fault). This type of insurance exclusively covers the damages done to the driver that you hit; it does not cover any repairs to your own vehicle, nor can it be used for your own medical bills or lost wages.
Having two health insurance plans is legal and, in some cases, very beneficial. There are several scenarios in which you may have two health insurance plans. While it would be nice if you got double reimbursements for all your medical bills, that is not what happens when you have more than one health insurance policy.
If you have been fortunate enough to find a primary or specialty care doctor you love, it can be disappointing to say the least, when your doctor will no longer accept your health insurance plan.
Critical illness insurance, which may also be called critical care insurance or critical illness coverage, pays out a lump-sum, tax-free cash benefit, that can help you take care of any expenses that are associated with a qualifying illness.
In health insurance, an exclusion is a medical procedure or treatment that the health insurance company does not cover. This may include specific medications, surgeries or therapies that are specifically omitted from your policy.