Does Your Auto Insurance Cover Theft?

It’s not a fun scenario to imagine: it’s late in the evening and you’ve just gotten off of work. As you’re walking out to your vehicle, you approach your parking spot. It’s empty; your vehicle has been stolen. After you’ve filed a police report, what happens next?

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Auto Insurance: Recouping Your Loss

If your auto insurance policy has comprehensive coverage, then you will be financially compensated for your stolen vehicle. It’s important to contact the police first. Then, after you’ve called the police, call your insurance agent as soon as possible, both to get the ball rolling on receiving compensation for your loss, and so that they can help protect you if your car is used to cause harm or damage after it is stolen. You’ll be financially responsible for whatever your deductible is on your policy first. Your insurance agent will want you to provide a thorough description of your vehicle, where your keys were at the time of the theft, was the car locked, and any personal belongings that you had in your car.

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What Will I Get Back?

In most cases, your comprehensive insurance will pay out the Actual Cash Value (ACV) of your vehicle, minus your deductible. The ACV is calculated based on an assortment of data, including your vehicle’s make and model, its condition ratings, accident history, and mileage.

Carrying comprehensive coverage in Las Vegas, Nevada ensures that if the unexpected happens, you’ll be able to recover from it with minimal financial inconvenience and interruption to your life. To learn more about comprehensive coverage and to find out if your policy provides financial protection if your car is stolen, contact your insurance agent.

 

Avoiding Theft With Nevada Insurance Enrollment

Navigating through the many options of insurance can be confusing and overwhelming, but speaking with a locally licensed insurance agent will help you to obtain the right coverage you need. You’ll have the peace of mind knowing that you are adequately insured when life complications arise. We work hard to find the most competitive quotes for your needs. Contact us today to begin the process of finding the best insurance plan for your family.

Health Insurance Options For Laid-Off Workers

Health Insurance Options For Laid-Off Workers

If you rely on employer-based health insurance and you lose your job, you may wonder what happens if you need medical care before you are able to get new coverage. Fortunately, there is COBRA, a law passed in 1986 gives many workers and their families the right to retain their health insurance even if they quit or lose their jobs.

What Are Association Health Insurance Plans?

What Are Association Health Insurance Plans?

Most people have never heard of association health plans; however, these health insurance plans have been around for decades. Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget.

What is the Free Look Period in Health Insurance?

What is the Free Look Period in Health Insurance?

To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.

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