How Much Auto Insurance Should You Have?
If you operate a vehicle in Nevada, you MUST have auto insurance and you MUST meet the state’s minimum coverage requirements; on that point, there’s no wiggle room. You’re a good driver, though, so is state minimum coverage enough? First of all, even if frugality is the name of the game, your insurance policy is not the place to cut corners.
Consider this: you can be the safest driver on the road, but if a particularly aggressive driver swerves in front of you, causing you to hit them, you’ll likely be considered the “at-fault driver.” Unless you have solid proof that their recklessness was to blame for the collision, you’ll be on the line for funding any repairs for their vehicle and yours. This also includes their medical bills, lost wages, and any other accident-related cost.
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If you carry minimum coverage, then you may end up paying thousands of dollars out of your own pocket. And just like that, your cheap, “bare minimum” insurance is looking higher than expected.
So, how much insurance coverage do you need? Generally speaking, unless you have enough money to replace both your vehicle and someone else’s, without changing your standard of living, it’s recommended to carry as much insurance as you can afford.
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.