Car insurance or auto insurance is mandated by most states and is protection financially in case of an accident. Car insurance protects you from both medical and physical damage to both your body and your vehicle. Las Vegas is one of the highest in premiums due the number of accidents that occur within the state.
The increase in car insurance rates in Las Vegas as well because of the legal law that allows the medical payments paid for an accident to be non submissive within a courtroom. Meaning that a victim of an accident can be double paid and that jacks up the rates of the driver who caused the accident.
With that in mind Las Vegas car insurance premiums have to accommodate and compensate due the number of court cases submitted within the state. Car Insurance in Las Vegas is best served when there is a multiplicity of companies and top brands within the country to serve those of the state of Nevada. When an agency or broker has several companies to work with Las Vegas is best served and the car insurance quotes are cheaper for those individuals.
They become the best priced insurance in the industry. In most cases most claims don't exceed more than $50,000 in medical damages but when they exceed this amount it's a good idea to have more than just the legal minimum amount in the case of an accident that involves high auto claims and medical bills.
The auto insurance policy doesn't just cover for the accident's medical bills including vehicle, it also covers for lost wages in the case of an accident. So in the case that the other driver doesn't have more than $50,000 of coverage and your medical bills cost $30,000 but lost wages due to hospitalization cost you $50,000 it's a good idea to have Uninsured Motorist Coverage or Under insured Motorist coverage.
This will cover what ever is due to you that the insured at fault driver is unable to pay due to lack of coverage. Let's sit down and talk about your coverage and make sure you're not just getting the state minimum requirement for your auto insurance coverage.
We get you discounts like:
+Accident Forgiveness
+Good Driver Discounts
+No drinking alcohol
+Multi Car Education
+Good Grades
+Prior Carrier
+Responsible Payer
+SR22
+No License
+Revoked License
+DUI
+High Risk
You're car insurance is the most important thing attached to your car aside from your car payment. In some cases it's more expensive than your actual payment and due to Las Vegas laws including the collateral source rule, drivers who are hit in Nevada are able to receive damages for an accident and get insurance companies to pay for claims, including hospital bills and then sue the at fault party without the already paid for damages to be admissible in court.
This means that the court legally cannot know that you got all your bills paid for which means you're still an injured party and require to have your damages paid for in the eyes of the court. This is one of the reason's why Nevada has so many attorney's and go after drivers that have been hit and that hit. Because legally the collateral source rule is inadmissible in court.
Along with all the drunk drivers, crazy accidents and tickets that are issued in the state of Nevada, the increase in the claims are inevitable and cause an increase in premiums. Here at Burkholz Insurance Agency, we work with the top companies in the state of Nevada to get you the best rates available and ones that are going to be at the cheapest prices.
SOME THINGS TO AVOID
Don't let your insurance lapse even one day. When you get a lapse in coverage you are nearly always required to become a non-standard driver. This is nearly the same in every state and the state of Nevada is the same. If you have less than 30 days of lapsed coverage then your insurance is going to become non-standard and that will cause your insurance to go up. You may also be required to have fines of $250 - $1000. Be careful of large concrete damage in your home and sprinkler damage.
Young Drivers In Nevada
A young driver in Nevada is prohibited from transporting any passenger under the age of 18, with the only exception being immediate family, for the first 6 months they hold their license. Additionally, drivers under the age of 18 are prohibited from driving between the hours of 10 PM and 5 AM. Minors must also be aware of local curfews, most notably in Las Vegas and the Reno Downtown Gaming District.
Lots of companies don't know how to train their agents to prepare clients for some of the perils that can happen. At Burkholz Insurance Agency we are prepared to tell what is covered and what isn't with each company we work with. It's a lot of work but we are prepared. For example, does my homeowners policy cover sprinkler repairs? These are things that most agents don't know that we're prepared to help you with. Will my policy cover concrete repairs? What if I need to remove a tree what's the service costs? on my property after a claim on my house? What if a dog bites someone on my property? Am I covered? What if I get a window broken on my property from a golf ball, am I covered? What will it cost to get my house repainted after a storm? How much will it cost to have the drywall on my home redone? How about the tile?
