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FAQ

​Liability motor vehicle insurance – pays for accidents you cause and is required by state law in Nevada. If  you cause an accident, you will be held accountable for injuries and/or property damage resulting from that accident.
Liability motor vehicle insurance is composed of bodily injury and property damage coverage:
Bodily injury coverage – pays for injuries suffered by others in an accident you caused. The limit refers to the maximum amount your car insurance company will pay in a claim. There are 2 numbers associated with bodily injury liability coverage (i.e. $15,000/$30,000):

  • The first number is the maximum amount covered per person in an accident. (i.e. $15,000)
  • The second number is the total maximum amount covered if 2 or more people are hurt in the accident. (i.e.$30,000)

EFFECTIVE JULY 1, 2018, THE MINIMUM REQUIRED LIABILITY INSURANCE LIMITS WERE INCREASED TO $25,000/$50,000. 
Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.

Collision coverage – extra insurance you may select to provide additional benefit to you in an accident. This provides coverage for repairs to your vehicle as a result of an accident, whether you’re at fault or not. If an at-fault party doesn’t carry the state required liability insurance, and if you don’t have collision coverage on your own motor vehicle insurance policy, you’ll have to pay for your vehicle repairs out-of-pocket

Uninsured/underinsured motorist coverage (UM/UIM) is extra insurance you may select to provide additional benefit to you in an accident. It is recommended that you purchase UM/UIM coverage in an amount equal to your liability bodily injury coverage limits. UM/UIM generally covers passengers in your vehicle and usually  covers you if you’re in a vehicle other than your own. 
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Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry the state required (bodily injury) liability insurance.

Underinsured motorist coverage, on the other hand, steps in when you’re in an accident with an at-fault driver whose liability limits are insufficient to cover your medical expenses and injuries.

Medical payments coverage – extra insurance you may select to provide additional benefit to you in an accident. Medical payments coverage generally pays the reasonable expenses for necessary medical treatment incurred as a result of an accident, whether you’re at fault or not. Medical payments coverage generally covers passengers in your vehicle and usually covers you if you’re in a vehicle other than your own

If you have been injured through no fault of your own you have a claim. You may also have a claim if you were partially at fault.