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Auto Insurance

Auto insurance is a product that offers financial protection for trucks, motorcycles, cars, and other road vehicles from physical damage, loss, and bodily injury liability due to traffic collisions, theft, or other losses. In many states, motorists must have auto insurance, and it is no different in Nevada. Therefore, as a motorist, you should consider purchasing an auto insurance policy from a reputable insurance firm such as Valley West Insurance.

Liability Insurance

Bodily Injury Liability

This covers injury costs to another party, such as medical expenses, pain and suffering, and lost wages if an accident occurs. The coverage also extends to anyone driving your car if they are permitted.

Property Damage Liability

This covers damage caused to another person’s assets due to an accident.

Uninsured and Underinsured Motorist Coverage

This covers your medical costs if another motorist hits you but they do not have liability coverage, or their liability coverage is insufficient to pay for your injuries. Generally, the uninsured and underinsured are viewed as a liability policy offering protection against uninsured drivers.

Vehicle Coverage

Besides the mandatory liability insurance, you can also consider optional coverage for your vehicle, especially if it’s valuable or newer. Your lender may require this coverage if you have a loan or lease your car.

Collision Coverage

This coverage pays for fixing the damage caused to your car due to a collision. It can offer coverage for your vehicle if you hit a pole, tree, pothole, or another car.

Comprehensive Coverage

Comprehensive coverage pays for particular types of damage not associated with a collision. For instance, comprehensive can cover damages caused by earthquakes, vandalism, fires, floods, falling objects, glass breakage, and explosions.

Auto insurance is mandatory in Nevada, and there are many types of this coverage. You can opt to add other coverage based on your budget, exposure to risks, or the value of your car. Contact Valley West insurance for more information if you need auto insurance coverage.

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