There are several different types of coverage.
1. Bodily Injury/ Property Damage Liability These coverages protect you if you injure someone else or damage someone else's property while driving your car. You must legally be liable for the injuries or damages to activate these coverages. Liability insurance is required by Nevada law.
2. Uninsured/Underinsured Motorist This protects the policyholder, his or her resident relatives and occupants in the insured vehicle if they sustain bodily injury in an accident in which the owner or operator of another motor vehicle is legally liable and either does not have insurance or does not have enough insurance. The coverage must be offered under NRS 687B.145(2), but does not have to be accepted by the insured.
3. Medical Payments This coverage pays for reasonable and necessary medical expenses, regardless of liability, resulting from accidental bodily injury while operating OR occupying an insured vehicle or when being struck by a motor vehicle as a pedestrian.
4. Collision Protects your vehicle from damages with another vehicle or object regardless of fault. Your insurance company may seek to gain reimbursement if the other driver is at fault.
5. Comprehensive Insures against theft or damage to your vehicle other than collision. Examples include vandalism, falling rocks or wind damage, as well as any other unforeseeable circumstance.
· Collision and Comprehensive coverage are subject to a deductible, the amount of which is determined by the insured.
Speak to an Experienced Insurance Attorney Today
This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified insurance lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local insurance attorney to discuss your specific legal situation.