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Understanding your auto insurance policy is essential for making sure that you have adequate coverage. While every policy is unique, there are certain terms that consistently pop up.
Is unique to you and contains information that is specific to your household.
Outlines the coverage options and limits that you purchased.
Tells what is not covered by your policy.
Outlines the legal responsibilities of both you and your insurer.
Which may be referred to as the “fine print,” defines the terms and gives an overview of the rights of the policyholder and the insurer.
As you’re building your auto insurance policy, remember that a low monthly rate is only part of what makes a policy a good fit for you. A bare-bones auto insurance policy with a high deductible might come with an attractive premium, but it will probably leave you in trouble financially if you ever have to actually use it.
Remember that you are only covered up to your policy limits. If your policy says that you have $25,000 in bodily injury coverage and you are responsible for a collision that left someone with a $100,000 medical bill, you’ll be responsible for covering $75,000 out of your own pocket.
Your auto insurance needs are unique, and your policy should be also. Knowing the right questions to ask your auto insurance agent as you’re building a policy can help ensure that you get great coverage at a great price.
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.
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Nevada drivers are required to carry auto insurance, but in most cases, state minimum coverage isn’t enough. Building the right auto insurance policy can protect you when you really need it versus just getting the cheapest plan possible, helping you to save money and reduce stress.
If you’re buying a new vehicle, upfront costs aren’t the only costs to consider. You should ask your agent for a pre-quote for how much your new vehicle will cost to insure. Some vehicles are more likely to be stolen or cost more to repair in an accident and are therefore more expensive to insure. On the other hand, safety features and anti-theft devices can bring down insurance rates. Your auto insurance agent can help you figure out which vehicles are the most affordable to insure.
Depending on your payment history, your occupation, what type of vehicle you’re insuring, whether you’re eligible for discounts like military discounts, occupational discounts (like being a Nurse, etc.) good student discounts, or early shopper discounts, etc., your premium will vary widely from one insurer to another. Speaking to your auto insurance agent about possible discounts can help you make sure that you are taking advantage of all the available discounts.
Talk to your auto insurance agent about your driving habits, such as whether your vehicle is strictly for personal use or whether you also drive for business purposes, including rideshare companies.
If anyone in your home has access to the vehicle and are licensed drivers, or anyone else that has regular access to the vehicle (friend, relative, or neighbor) should be on your policy.
In addition to Nevada’s state minimum coverage requirements, there are several other types of auto insurance add-on coverages that may benefit you. These may include: collision, comprehensive, rental car coverage, uninsured/underinsured motorist, medical payments, and roadside assistance/towing.
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A good auto insurance policy isn’t just one that’s easy on your bank account; it’s one that provides adequate protection in a variety of circumstances. Oftentimes, when a policyholder is unhappy about how a claim is settled, it’s because they didn’t fully understand the coverage that they do (and just as importantly, don’t) have. Your Nevada Insurance Enrollment auto insurance agent can help you understand the different types of auto insurance products that are available and help you build a policy that meets your needs.
Liability auto insurance is among the most important types of coverage that you will have; in fact, it’s so important that it is required in most states, including Nevada. This type of insurance covers any losses incurred by the other driver in an accident that you are responsible for, up to your policy limits.
While liability insurance covers the driver who isn’t at fault in a collision, collision auto insurance does the opposite: it covers the policyholder’s own repairs when they’re responsible for a collision.
Comprehensive auto insurance covers losses that aren’t from a collision, such as damage from natural disasters, vandalism and theft.
Medical payments coverage is optional coverage that is used for medical expenses following an accident.
Uninsured/underinsured motorist coverage can be added to a policy to ensure that if you’re in an accident and the at-fault driver doesn’t have insurance or doesn’t have enough insurance, you won’t be left footing the bill.
If you’ve financed your vehicle, there’s a good chance that at some point during the lifetime of the loan, you’ll owe more on your vehicle than it’s worth. Gap coverage pays out the difference between what your vehicle is worth and what you owe on it in the event that it’s totaled or stolen, letting you pay your loan balance in full.
Mechanical breakdown coverage is similar to an extended warranty offered by car dealers. Different levels of coverage are available, but most provide protection for your vehicle’s brakes, drivetrain, transmission and fuel system.
Before altering your policy, talk to your auto insurance agent to make sure you understand how the changes could affect you.
Auto insurance can be confusing, but we’re here to help. Give us a call today to discuss your policy and to make sure that it will give you the financial protection you need if you’re involved in an accident.
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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.
Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!
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.
Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!