Coverage to Consider Adding to Your Auto Insurance Policy

In Nevada, you’re required to carry minimum liability auto insurance, which covers the expenses incurred by the other person in a collision that you’re responsible for. It doesn’t cover a dime of your own repairs or medical bills, but fortunately, comprehensive and collision coverage can be added to your policy. These types of additional coverage provide you with a way of paying for the costs of repairs for your own vehicle.


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Collision and Comprehensive Deductible

Obviously, coverage limits vary widely, and there is no one-size-fits-all approach for figuring out how much coverage you actually need. To determine whether you should increase or decrease your collision and comprehensive deductible, consider factors like:

  • What type of vehicle you have and how old it is
  • If you had an accident, could you afford to cough up the deductible at anytime
  • How high of a premium can you afford to pay if your car was totaled
  • Do you live in a densely populated area, increasing your risk of an accident
  • How many miles per year do you drive
  • What other drivers are in your household

Setting a lower deductible may cost you more upfront each month, but in the event of an accident, it can be a relief. On the other hand, if your vehicle isn’t worth much more than the cost of your deductible, then you may not want to pay for collision and comprehension for that vehicle.

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Your auto insurance agent can help you review your policy and determine if your current collision and comprehensive deductible is right for you.

Related Articles:

Auto Insurance Deductibles: What Are They And How Do They Work?

Auto Insurance – Comprehensive vs. Collision: What’s the Difference?

Accidents/Vandalism: Does Auto Insurance Cover Personal Belongings

How Many Claims Before Auto Insurance Cancels Your Policy?

Read More: Auto Insurance in Las Vegas, Nevada


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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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