Are There Any Types Of Optional Coverage Available For Consumers In Nevada?

Yes, Nevada allows for several optional coverages to cover your collateral losses in the event of a claim being filed. They are as follows: 1. Medical payments coverage is an optional coverage. However, Nevada law requires that your insurance company offers you at least $1,000 of this coverage. This coverage pays for the medical and funeral expenses for you or others injured or killed in an accident while riding or driving in your auto. Claims against this coverage include all reasonable hospital, surgical, chiropractor, x­ray, dental, professional nursing, prosthetic and funeral expenses. It will also cover you or members of your family if an auto strikes you while walking or riding in another auto. This coverage will also pay for your medical and funeral expenses even if you cause the accident. Usually, only expenses incurred within a specified period of time after the accident are included. 2. Rental reimbursement coverage usually pays $15 to $20 a day to rent a car for a specific number of days while your vehicle is being repaired. The premium will vary from insurer to insurer. 3. Towing and labor coverage pays the cost of towing your car to the repair shop subject to the limit of your policy. Premium for this coverage can run as low as $5 to $10 per year. However, if you are a member of an auto club, you probably already have this service and may not want to duplicate your coverage.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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