Auto Insurance in Nevada

Nevada drivers need optimal protection, whether on the road or when their vehicles are parked. At Modern Choice Insurance in Las Vegas NV, we understand that your car means a lot to you and that you wouldn't want any harm to happen to your prized asset. For this reason, we offer various auto insurance options to ensure that your car ownership journey is hassle-free.

Auto insurance in Nevada

You probably know that car insurance is mandatory in Nevada, but it's vital to understand the minimum coverages required by the state. Nevada State requires drivers to carry the following minimum liability coverage:

• Bodily injury liability: Covers injuries or death sustained by third parties in an accident that you are at fault. The state's minimum requirement is $25,000 for an accident where one person is involved and $50,000 for multiple persons per accident.
• Property damage liability: This coverage protects against property damage to third parties where you caused the accident. The state's minimum requirement is $20,000 per accident.

It's always important to remember that the state's requirements are just a minimum. To that end, you should talk to your agent to review the liability limits for better coverage.

Other auto insurance coverages

While it's important to carry liability coverages, these neither protect you nor your car. They cover losses sustained by third parties. That said, we recommend that you consider the following additional auto insurance coverages:

• Collision coverage: Helps pay for damages or replacement of your vehicle following an accident.
• Comprehensive coverage: Even when your vehicle is parked, there is always danger looming. Comprehensive coverage protects against non-collision perils like theft, vandalism, fire, hails, falling objects, and other risks stated in your policy.
• Uninsured /underinsured motorist cover: Protects you when you are involved in an accident and the other driver is at fault. Still, they have insufficient or no insurance to pay for the damages.
• Personal injury protection (PIP): Covers medical expenses to you and your passengers for injuries sustained in an auto accident. It's similar to Medical Payments (MedPay) coverage but extends to cover auto-accident-related loss of income for you and your passengers.

If you are renewing or shopping for a new auto insurance plan, contact Modern Choice Insurance in Las Vegas NV. We understand the Nevada drivers' needs are different. That's why we offer customized auto insurance plans to meet individual needs.