Adding Property Damage to your Auto Insurance

One thing we find is many drivers focus on bodily injury, which long story short, pays for the other guys medical bills if you are at fault. But many people are underinsured for Property Damage. Property Damage is the 3rd number in the 25/50/20 numbers you see on policies. We believe increasing that last number is so important; here’s why:

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If you’re driving and hit someone else’s car, or property like a fence or wall, and are “at fault”, here’s what could happen. Let’s say you hit someone that owns a 2016 Honda HR-V, and it turns out that the damage is worth $26,000, plus the brick wall you hit needs to get repaired which is estimated to be $2,000. If you have the bare minimum (Nevada requires 25/50/20), the 3rd number being 20 which means $20,000 dollars, how are you going to cover your $28,000 accident?

Property Damage; Do You Have Enough Coverage?

Using that same scenario with a different driver, with better coverage. The 2nd driver that has 100/300/50 insurance coverage will be in the clear. He’s not concerned at all, but the 1st driver has something to be concerned about. Remember, you are at fault. It’s ultimately up to you, financially, to bring the other driver back to pre-accident condition any way possible.

What if the scenario is a little different? What if you hit a 2017 BMW 5 Series 530i Sedan that starts around $51,200, plus add in the $2,000 brick wall you took out. If you are the 100/300/50 driver, you’d be $3,200 upside down in this scenario, and the first driver with 25/50/20, they’re upside down would be $33,200! Even being upside down by $3,000 dollars is no pocket change. Read below to see what we suggest.

For just a little bit more coverage, (which is not that much of an increase to your premium), you could significantly reduce your chances of being sued because you don’t have enough property damage and liability coverage on your insurance policy. You can’t control who you may have an accident with, that’s why they call it an accident. You can’t control who you hit. It may be a $5,000 car or a $51,200 car, or more! It is a very smart idea to speak to your auto insurance agent about having enough property damage in your coverage. Bump up that 3rd number to cover the more expensive cars that are all around us on the roads these days. Especially in Nevada where nearly 85% of people involved in accidents end up calling a lawyer!

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Get Covered With Nevada Insurance Enrollment

At Nevada Insurance Enrollment, our auto insurance agents can help you prepare for the unexpected by ensuring that you have adequate coverageUninsured motorist insurance covers bodily injuries and property damages you incur if you’re hit by a driver with inadequate coverage, or someone hits you and leaves the scene with you having medical bills, lost wages, and pain and suffering.

Related Articles:

Property Damage Liability Insurance: What Does It Cover?

What does 25/50/20 (Nevada Minimum Coverage) mean with Auto Insurance?

How to Determine How Much Auto Insurance Coverage You Need

Auto Insurance | Underinsured / Uninsured Motorist

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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