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Auto Insurance
We can quote your auto insurance in Henderson NV, Las Vegas NV, Carson City NV, Reno NV and everywhere in between.
TYPES OF AUTO INSURANCE COVERAGE
LIABILITY INSURANCE
When you cause an accident, liability insurance either pays for expenses related to damages done to the other driver and any passengers (bodily injury liability) or damage to another party's property (property damage liability).
Liability insurance is the minimum amount of insurance that any person or business must carry in the state of Nevada. Liability Insurance protects the individual or business if they may be held legally liable for causing bodily injuries, property damage, or medical injuries to someone else because of their negligence or malpractice. Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable up to the coverage limits. Intentional damage and contractual liability are typically not covered in these types of policies.
BODILY INJURY
Bodily Injury Liability coverage is for other driver’s and passengers’ injuries or death for which you are at fault.
PROPERTY DAMAGE
Property Damage Liability coverage for damages to someone else’s property for which you are at fault.
COMPREHENSIVE OR OTHER THAN COLLISION
Comprehensive Coverage pays for your vehicle in case of losses resulting from an event other than an accident, such as theft, hitting an animal, vandalism, or a tree branch falling on your vehicle. Your deductible amount will be subtracted from total amount paid.
COLLISION
Collision Coverage pays offers protection against crashes with a stationary object or another vehicle. It covers the cost of repairs or replacement to your car.
UNINSURED/UNDERINSURED MOTORIST
Uninsured/Under-insured (UI/UIM) Motorist Coverage protects against the risk of getting into an accident with a driver who doesn't have insurance, whose insurance is minimal, or who does a hit-and-run. It take care of your injuries, damages or death caused by an at-fault driver without insurance or without enough insurance to cover all costs. This coverage could also pay if the other parties’ cannot be identified because they left the accident scene. UM/UIM coverage is not mandated by law. It is an optional coverage that many Nevadans purchase to ensure that they and passengers in their vehicles have adequate protection if a covered vehicle is hit by an uninsured driver, a hit-and-run driver, or by a driver who does not have high enough insurance limits to pay for medical expenses.
Nevada law requires insurance companies to offer UM/UIM coverage in an amount that is no less than the statutory minimum liability amount. If you currently carry UM/UIM in an amount less than 25/50 ($25,000 of coverage per person and $50,000 of coverage per incident for bodily injury), your insurance company will have to increase the offered UM/UIM limits to 25/50 also. To do so, your insurance company or insurance agent will ask you to fill out a new “UM/UIM Selection/Rejection Form”.
ADDITIONAL INSURED
Policies often cover parties other than the named insured. You may need to add others to your policy when your spouse needs to be listed, other household members need coverage, or when someone else has co-ownership of the insured property or vehicle and uses it on a regular basis (find out whether your policy will cover a loss to your vehicle while it was driven by someone else). The policy would cover these individuals or organizations as additional insureds.
ADDITIONAL INTEREST
Unlike an additional insured, an additional interest is a third party who has an interest in protecting the property or vehicle insured but is not themselves insured under the policy. What this means is that they have a reason for wanting the property or vehicle to have insurance coverage in the event of a loss.
- Finance Company
- Mortgage Company
- Family member financing auto
TYPES OF AUTO INSURANCE COVERAGE
ACCIDENTAL DEATH INDEMNITY & SPECIFIC DISABILITY BENEFITS
Accidental Death Indemnity & Specific Disability Benefits provides accidental death and disability benefits up to the covered limits
COLLECTIBLE AUTO
Collectible Auto–Classic car insurance is not the same as daily driver insurance. Most insurance companies will only give you liability coverage for you auto if it is over 25 years old and stated value of a few thousand dollars. There are special companies out there that will insure your older vehicle just like it were new Collectible Auto insurance packages are available for your unique needs.
AGREED VALUE COVERAGE
Prior to issuing your policy, you and your agent come to an “agreed value” for your vehicle. In the event that there is a total loss to your vehicle, the “agreed value” is the amount you will receive without subtracting a deductible. A picture from each corner of the vehicle is required.
STATED VALUE COVERAGE
Stated Value policy give the insurer the right to pay you either your vehicle’s depreciated cash value amount or the cost to replace your vehicle—and they will choose the lower of the two amounts.
RIDESHARE COVERAGE
RIDESHARE COVERAGE
RIDESHARE COVERAGE
RIDESHARE COVERAGE
RIDESHARE COVERAGE
FROM DMVNV.COM
CHECK THE HISTORY OF A VEHICLE
CHECK THE HISTORY OF A VEHICLE
CHECK THE HISTORY OF A VEHICLE
VINCHECK LOOKUP
CHECK THE HISTORY OF A VEHICLE
SAFETY RECALLS LOOKUP
SAFETY RECALLS LOOKUP
CHECK THE HISTORY OF A VEHICLE
SAFETY RECALLS LOOKUP
TRAFFIC SAFETY SCHOOL
Parents Supervised Driving Guide
Parents Supervised Driving Guide
If you have accumulated between 3 and 11 points you may have 3 points removed by completing a traffic safety course only if the course is not part of a plea-bargain agreement with a court of law. If the course is required to complete a plea bargain with a court, no credit is given.
The school must be one of those approved by the DMV. You may attend traffic school only once in a 12-month period to remove points from your record.
Attending traffic safety school removes 3 demerit points. However, the record of the conviction remains part of your driving history.
Parents Supervised Driving Guide
Parents Supervised Driving Guide
Parents Supervised Driving Guide
This manual and the RoadReady® app are intended to give parents the tools and guidance they need to teach their teenagers how to drive safely.
Nevada DMV Parents Supervised Driving Guide (dmvnv.com)
CELL PHONE LAW
Parents Supervised Driving Guide
OUT-OF-STATE ISSUES AND ANSWERS
Nevada law prohibits hand-held cellphone use and texting while driving. The fines are $50 for the first offense in seven years, $100 for the second and $250 for the third and subsequent offenses. Fines are subject to doubling if the offense occurs in a work zone.
The first offense is not treated as a moving violation. Second and subsequent offenses carry 4 demerit points.
OUT-OF-STATE ISSUES AND ANSWERS
OUT-OF-STATE ISSUES AND ANSWERS
OUT-OF-STATE ISSUES AND ANSWERS
Nevada residents who received a citation in another state - Contact the court of jurisdiction as listed on the citation for possible plea bargain arrangements. Any conviction will become part of your Nevada driving record. Out-of-state convictions do not generate demerit points.
Residents of another state who received a citation in Nevada - Contact the court of jurisdiction as listed on the citation for possible plea bargain arrangements. Nevada courts may or may not accept out-of-state schools.
If you have already paid the citation or have been convicted of an offense, you should contact your home state DMV for their policy on demerit points and traffic safety schools.
See Links to All 50 State DMV's. There is no need to contact the Nevada DMV.
BILL OF SALE
A Bill of Sale releases interest in a vehicle. A Certificate of Title or other ownership documents must accompany this form.
DUI
OUT-OF-STATE ISSUES AND ANSWERS
BICYCLES
How to Spot a Drunk Driver and What to Do
These warning signs should be your signal to take down a licence plate number and vehicle description to report to the proper authorities. call 911
-Weaving, swerving, wide turns, straddling lanes • Sudden stops, delayed starts
-Driving too slowly
-Driving with headlights off at night
-Rapid acceleration or deceleration
-Turning abruptly or illegally
-Following too closely
-Appearing to be drunk – drinking in vehicle, face close to windshield, lack of peripheral vision
Do not attempt to stop or follow the vehicle.
Below are penalties for a typical
DUI first offense. Penalties for subsequent convictions are harsher. A third DUI within seven years or a DUI which involves death or substantial bodily harm are felony offenses.
DUI Penalties
Criminal
• Arrest
• Vehicle Impounded
• Two days to six months in jail or community service
• Fine $400 to $1,000
• Chemical Test Fee $60
• DUI School or Substance Abuse Treatment
• Victim Impact Panel
Driver License
• Ignition Interlock in Vehicle or License Revocation
• $121 Reinstatement Fee
• $35 Victims Compensation Civil Penalty
• $42.25 Driver License Fee + $26 Testing Fee
• DMV Tests – Vision, Knowledge, possibly Skills
• SR-22 Certificate of Liability Insurance required for three years
BICYCLES
OUT-OF-STATE ISSUES AND ANSWERS
BICYCLES
When bicycles are ridden with other traffic, cyclists must obey the same rules and regulations as other types of vehicles. The safe interaction between bicyclists and motorists is the responsibility of both parties.
Motorists are not allowed to intentionally interfere with the movement of a person lawfully operating a bicycle; bicyclists may not intentionally interfere with the movement of a motor vehicle.
At intersections, motorists must yield to cyclists as they would for other vehicles and pedestrians.
When passing a cyclist, motorists must move into an adjacent lane to the left if possible. If not, the motorist must pass with at least 3 feet of clearance.
Motorists must yield the right-of-way to a cyclist on a bicycle path or in a bike lane.
Motorists may not stop, park or drive on a designated bicycle path or lane unless they are entering or leaving an alley or driveway, performing official duties, directed by a police officer, or an emergency situation exists.
A cyclist is required to ride on the right side of the roadway.
Cyclists ride in a traffic lane, staying to the far right as practicable unless preparing to turn or overtake another vehicle.
Cyclists must obey all traffic signs and signals and use hand signals to let others know what they plan to do.
Inexperienced riders, especially children, require special courtesy and care. They may not always follow traffic rules. Be especially careful around these riders and expect the unexpected.
DISTRACTED DRIVING FROM DMVNV.COM
WHAT IS DISTRACTED DRIVING?
With more portable technology now than ever, driver distractions have risen to unprecedented numbers. But cell phones aren’t the only problem.
Drivers can be distracted by eating and drinking, grooming, tuning the radio or even talking to passengers. Anything that takes a driver’s attention from the road is a potential hazard.
There are three main types of distraction:
• Visual — taking your eyes off the road
• Manual — taking your hands off the wheel
• Cognitive — taking your mind off driving
While all distractions can endanger drivers’ safety, texting is the most alarming because it involves all three types.
Other distracting activities include:
• Using a cell phone
• Eating and drinking
• Talking to passengers
• Grooming
• Reading, including maps
• Using a PDA or navigation system
• Watching a video
• Changing the radio station, CD, or Mp3 player
Young Drivers At Risk Young drivers are more at risk of distracted driving— especially those under 20 years of age.
Nevada has two important restrictions on drivers under 18.
• Drivers age 16 or 17 may not transport passengers under 18, except for immediate family members, for the first six months after receiving their full license. (NRS 483.2523)
• Drivers age 16 or 17 may not drive between 10 p.m. and 5 a.m. unless they are traveling to or from a scheduled event such as work or school events. (NRS 484B.907)
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