Auto Insurance

Personal Auto Insurance

Personal Auto Insurance is the coverage protection for you and anyone else using your vehicle with permission. Auto insurance protects you from 3rd party liability for bodily injury or property damage due to an accident.

Most states require mandatory limits of coverage for bodily injury or property damage. In Nevada the mandatory limits are 25,000/50,000/20,000 which stands for 25,000 per person bodily injury, 50,000 per accident and 20,000 property damage. These limits are referred to as minimum limits.

Bodily injury liability covers costs associated with personal injury and death to 3rd parties while operating your vehicle.

Property damage liability will reimburse 3rd parties for damages to their property resulting from operating of your vehicle.

There are other Types of coverages that can be added to an personal auto policy and some of these coverages may also be mandated by different states.

Medical Payments will pay medical expenses to you or a passenger of your vehicle as a result of an accident while operating your vehicle.

Uninsured/underinsured motorists covers you for an accident with an uninsured motorist for bodily injury.

Comprehensive covers you for damages resulting to your vehicle other than a collision, such as fird, theft, flood and vandalism.

Collision covers your vehicle resulting from a collision with another vehicle, tree or another object when you are at fault.

Roadside Assistance is offered with most companies at different limits and coverage options. It is an excellent way to cover the costs of towing a broken-down vehicle to a garage to be repaired.

Loan payoff/Gap Insurance will cover you for the difference between what you still owe on your vehicle in the event of a total loss. A total loss will be covered by you comprehensive or collision coverage for the vehicle’s value. This difference is referred to as GAP Insurance.

Vehicles used for pickup and delivery of food, as an Uber, Lyft or rideshare will not be covered under a personal auto policy. Although some companies will add this exposure onto their policies for an additional premium.