How Much Auto Insurance Should You Have?
Re-posted on 1/13/20
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, not just for your own vehicle but for theirs as well, 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 pretty pricey.
So how much insurance coverage do you need? Generally speaking, unless you have enough money to replace both your own vehicle and someone else’s, take care of potentially outrageous hospital bills, plus the other myriad of costs that can arise out of an accident, all without changing your standard of living, you want 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.