Coverage to Consider Adding to Your Auto Insurance Policy

Re-posted on 4/17/20

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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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:

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.

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

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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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