Don’t Worry, You Have Auto Insurance

The responsibility of who pays what in Nevada is contingent on who’s at-fault in an auto accident. All drivers in Nevada have an obligation to drive their automobiles safely to reduce any risks of potential accidents. In Nevada, if you are the at-fault driver (the person that caused the accident), then you are responsible to “make whole” the individual or property you hit.

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Nevada Insurance Enrollment logo - Nevada State outline divided into four colors of dark blue, light blue, orange and yellow

The insurance company and the at-fault driver may be responsible to pay for the damages to the victim’s car, any property damage, lost wages, and injuries (medical bills). The insurance company of the at fault driver would be responsible for the damages caused, UP TO THE LIMIT of their insurance policy. Once the limits of the policy have been exhausted, the at fault driver could be held responsible or get sued to pay the remainder.​

If the victim that got hit has “UM/UIM” (uninsured motorist/underinsured motorist), on their policy, this coverage may pick up what the at-fault drivers’ policy lacks. UM/UIM is not required by law to have in Nevada. Underinsured and uninsured motorist means your auto insurance company will cover you for accidents you didn’t cause that the other party didn’t have enough coverage for, or in the event of a hit and run.

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All drivers are required by law in Nevada to stop at the scene of an accident. It’s important to exchange insurance information and call the police or fire and rescue if someone is hurt. We recommend taking pictures of damages, reporting the number of people involved, and reporting the details of the accident to the insurance company as soon as possible.

Again, Uninsured and Underinsured Motorist in Nevada is NOT required, however, it is a great addition to your policy.

 

Let Nevada Insurance Enrollment Help You!

Here at Nevada Insurance Enrollment we will make sure you have the right coverage needed. Talk to one of our licensed auto insurance agents to better assist you.

Health Insurance For Snowbirds

Health Insurance For Snowbirds

Finding a health insurance plan that covers your preferred healthcare providers and necessary medications can be a challenge, especially if you split your time between two states or travel frequently.

Health Insurance Requirements For Small Businesses

Health Insurance Requirements For Small Businesses

On the employer’s end, providing health insurance can be costly and complicated. However, it can also be a reliable way to bring in new hires, improve productivity and boost morale and job satisfaction. Small businesses that want to provide this benefit have options that let them do so affordably.

Surrogacy Laws in Nevada

Surrogacy Laws in Nevada

Generally speaking, the intended parents are responsible for covering pregnancy-related expenses, including complications that may arise over the course of the pregnancy and delivery. The standard way to control health care costs is to purchase health insurance for the woman acting as the gestational surrogate.

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