According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.
Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.
However, you may end up paying a higher premium than someone who has not financed their vehicle. If you make payments on your vehicle, your lender requires you to have comprehensive and collision coverage on top of the state minimum requirements.
Uninsured and underinsured motorist coverage is used when you are hit by a driver that has insufficient coverage or no coverage at all. This optional coverage helps to compensate you for damages, up to your policy limit.
Renter’s insurance covers your personal property. If your property is damaged due to a covered peril such as a fire or theft, then you are compensated for your loss up to your policy limits. There are a variety of risks and events covered by renters insurance.
A high-risk driver is one who is more likely to file a claim. To determine your riskiness, your auto insurance company uses a complex algorithm that weighs in a variety of factors to come up with your auto insurance score.
Do you have car damage that needs to be repaired or parts that need to be replaced? You may assume that the repairs will be done using OEM parts, which means “Original Equipment Manufacturer”, but this isn’t always the case so make sure to review the coverages you have in your auto insurance policy.
Gap insurance is optional auto insurance coverage that covers the difference between the actual cash value (ACV) and the amount owed on the loan of your car if your car is totaled or stolen. Standard auto insurance covers the current depreciated value of your car.
You don’t have to wait until renewal time to make adjustments to your auto policy. Updates can be made as circumstances in our lives change to ensure you have the proper coverage for your needs and budget.