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If you’re like most safe drivers, you may have a difficult time appreciating how valuable your auto insurance policy is, and it’s tempting to skimp on coverage to save a little money. Unfortunately, too many drivers find out too late that their cheap coverage can actually cost a lot of money in the long run.
Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.
For example: What if you are responsible for an accident and your vehicle is damaged. Bare-bones liability only coverage covers the other person if you are responsible for an accident. It does not include comprehensive or collision coverage, meaning that if your own vehicle is damaged or totaled, you’ll have to replace it or repair it completely out of your own pocket. It also won’t pay for your medical bills, lost wages or pain and suffering.
In Nevada, drivers have to carry the state minimum liability coverage that includes:
While this sounds like a lot of money, if you are responsible for an accident that seriously injures several people or if there are $40,000 in car repair expenses, you’d be financially responsible for any expenses beyond your policy limits.
Choosing a high deductible makes sense for a couple of reasons. First, it discourages you from filing small claims that may drive up your premium in the future. Second, because you are less likely to file a claim, you are less “risky” to insure, and you will typically enjoy a lower rate.
But what happens if you get into an accident when money is tight, and you can’t afford your high deductible? Until you can pay your deductible, you will not be able to get your vehicle fixed, or at least out of storage from the auto repair shop.
Where you park your car at night can have a big impact on your monthly premium. According to one study, as many as 1 in 10 drivers provide inaccurate address information. While this may be unintentional in some cases, it’s a common tactic that drivers use to fraudulently drive down their monthly premiums. Unfortunately, providing inaccurate information is insurance fraud, which is something your auto insurance provider takes very seriously. You may lose your coverage, have a claim denied, or be charged back premiums at the corrected rate.
A cash rebate, extended warranty, or lower insurance rate is much more valuable than free insurance. While there are a range of factors that can affect your insurance premium, there are things you can do to get the most affordable and most dependable insurance for your situation. One of the best ways of saving on auto insurance is shopping around and comparing coverage and rates from multiple companies. Be sure to ask about any available discounts.
Most insurance companies offer free auto insurance quotes. Therefore, before you head out looking for a car, make sure you check prices with a local auto insurance agent to have an idea of what you can expect for your price range. Knowing the price points of what’s available on the market can raise your chances of getting the best deal for your money.
Shopping for auto insurance can be tricky. Comparing different types of coverage, policy limits and discounts takes a lot of time. At Nevada Insurance Enrollment, Our friendly and experienced auto insurance agents specialize in this very task, making it simple to find full coverage that will not break the bank.
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.