State Requirements
Nevada requires each driver to maintain mandatory minimum liability insurance. Liability insurance minimums are 15/30/10. What does this mean? The 15 means Acceptance will pay up to $15,000 toward injury-related expenses per person, 30 means Acceptance will pay up to $30,000 total per incident toward injury-related expenses and 10 means Acceptance will pay up to $10,000 toward property damage in each incident.
Basic Liability Coverage
Minimum Liability is the least expensive insurance option but it only offers the least amount of protection if you’re involved in an accident and the coverage is only provided for the other party. Any damage to your vehicle, or any personal hospital or recovery costs, are not covered under this type of coverage. Any costs above the 15/30/10 incurred in an accident could require significant out-of-pocket expenses in the event of a serious accident.
Comprehensive and Collision Coverage
If you need coverage to protect yourself and your vehicle, Acceptance offers comprehensive and collision coverage. The premium is higher than liability, but the additional coverage will help protect one of your most expensive investments as well as your financial standing in the event of a serious accident. In addition, most lienholders require you to have this coverage if your vehicle is financed. We also offer many discounts and deductible options, which helps many Nevada drivers find the increased coverage, and the peace of mind it offers, worth every penny.
Uninsured or Underinsured Motorist Coverage
Additional coverage is available in the event of an accident with a driver who doesn’t have insurance or is underinsured. Although this coverage is not legally required in the state of Nevada, many of our policyholders elect to obtain this additional coverage to protect themselves and their families from damage to their vehicle or injuries caused by another driver who isn’t insured or has insufficient insurance coverage to cover your costs.