Nevada drivers must carry three forms of liability insurance in order to legally drive in the state. These forms of insurance are property damage liability, bodily injury liability, and underinsured and uninsured motorist coverage. With these forms of insurance in place, Nevada drivers are protected if claims are filed against them after causing an accident with their automobile. Several different potential claims are covered through this insurance, including medical expenses, lost wages, and damage to other people’s property.
In Nevada, drivers must maintain liability auto insurance at a 25/50/25 ratio. This means that Nevada drivers must carry $25,000 worth of personal injury liability insurance per person injured. Nevada drivers must also carry a minimum of $50,000 in bodily injury insurance per accident. Furthermore, the state requires property damage insurance to be in place at a minimum of $25,000 per accident and underinsured/uninsured coverage to be in place at $25,000 per person and $50,000 per accident.
Bodily Injury Liability, which is known as simply BI for short, is the insurance coverage that takes care of those expenses that are associated with the accidental injury or death of someone else that is involved in an accident caused by the insured driver. This form of coverage, which must pay out a minimum of $25,000 per person or $50,000 per accident, is in place to cover the expenses of people other than the insured driver. This insurance may cover bodily injury expenses for the driver or drivers of the other vehicles, pedestrians, and passengers that may have been involved in the accident.
Property Damage, which is known as PD for short, is used to pay for the expenses associated with damaged property. This coverage may cover the expenses of other vehicles involved in the accident or any other property that may have been damaged, such as poles, walls, and more. Nevada drivers are mandated to carry at least $25,000 in coverage per accident in order to legally drive and register their vehicles in the state.
The underinsured and uninsured coverage that Nevada drivers must carry is in place to protect the insured driver if the person at fault in an accident does not have insurance or has an inadequate amount of coverage. Nevada drivers must have enough coverage to cover $25,000 worth of expenses per person or $50,000 worth of expenses per accident.
In order to register their vehicle in Nevada, drivers in the state must provide proof that they have insurance coverage. Nevada drivers may use a number of methods to prove that they have the proper insurance coverage in place. The most common and easiest method to use is to simply use the temporary insurance card that is issued by the insurance company. There are, however, additional methods that a driver in Nevada can use to prove coverage. This includes showing the actual policy, showing a receipt for payment of the premium, or showing the current declarations page of the insurance policy.