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.
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. 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. |
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