Who Will Cover Damages to my Car If Another Person Drove and Damaged it?
Reader’s Question:
My boyfriend crash my car on a rail. We both have liability insurance from two different car insurance company in Henderson, Nevada. Will his car insurance cover the damages to my vehicle?
Sarah
Henderson, NV
For the damages of the car caused from an accident be covered you would need collision coverage on your car insurance policy. Your Property damage liability and your friend’s property damage liability will not cover the damage to your car in this single auto accident.
Liability covers you if your vehicle damages another person’s property. Liability insurance does not cover your vehicle for damages you or another motorist cause when driving it, it instead covers the property that you hit or damaged.
Normally automobile insurance follows a car first and driver second. This means that your liability insurance would kick in first for the payment and if your liability limits are exceeded then your boyfriend’s (driver) liability insurance would be used as excess. If you are charged for the repairs of the rail then I suggest that you check with your insurance carrier in Henderson, Nevada as well as the driver’s car insurance carrier to check who will be primary in this situation.
Who Will Pay for the Damages if the At Fault Party is Uninsured?
Reader’s Question:
I got involved in an accident and I was not at fault. The other party’s insurance coverage expired two days, so her insurance company is not willing to pay the damages. Who will then cover my expenses? my insurance company in Carson City?
Julie
Carson City, NV
If the other party’s insurance was expired and therefore not in effect at the time of the accident then as you said her insurance company would not accept an insurance claim. You also have the option to be able to repair the damage to your vehicle is to place an auto insurance claim with your own insurance company if you have Collision coverage.
If you do not want to put an insurance claim through your own Collision coverage if you do not want to pay a deductible or get your insurance rates affected in Carson City Nevadathen you may see about having the at-fault party pay for the damages to your car. If she refuses to do so on her own then you should be able to take her to court and seek a judgment against her. If you can’t wait for a court date and judgment to have your vehicle repaired then you could pay for the repairs on your own and still sue her for the costs of the repairs which you could now prove by bringing the bills from the body repair shop that you paid out of your own pocket.
Who Will Pay for the Damages if the Uninsured Borrower Got Involved in an Accident?
Reader’s Question:
If you allow someone drive your vehicle in Reno, Nevada and they don’t have car insurance and they get into a crash, who will be responsible for the damages?
Moore
Reno, NV
First of all, if you have auto insurance on your car it would be primary no matter if the driver operating your car had insurance or not. If he driver did have their own insurance policy then their liability would be used as secondary or excess insurance for injuries or damages he or she caused.
Now if you are permitting someone to drive your car that is uninsured in Reno NV, and they cause an accident, then both the car owner and the driver who caused the accident can be held liable for the damages normally.
If you permit someone to drive your car and you do have auto insurance on it, make sure you read over your car insurance policy and check with your auto insurance agent to be sure the driver would be covered by your insurance policy if he or she were to be in a crash.
Will my Out of State Ticket Show Up in my Driving Record in Nevada?
Reader’s Question:
I just got a ticket in Maine and my license is in Paradise Nevada. Will it appear on my record? If I want to obtain new auto insurance do I have to inform them that I got a ticket if it is not on my driving record?
Isabel
Paradise, NV
The state of Maine where you received your ticket and Nevada state, where you are licensed, both are members of the Drivers License Compact or DLC. Maine is therefore required to report the ticket you received back to your home state, in Paradise Nevada.
The Nevada Department of Motor Vehicles states that any conviction of a moving violation that happens in another state is added to your Nevada driving record. Out of state citation offenses do not generate demerit points to be placed on your Nevada license though.
In Nevada violations can be seen by your insurance provider for three years. Whether or not the out-of-state ticket violation makes it onto your Nevada driving record immediately, if you are asked about traffic violations by a car insurance carrier you will need to list this ticket.
Company Car Insurance – Can I Use the Car on My Personal Time?
Reader’s Question:
I have been insured through my company in Nevada to drive a car, am I insured to use it in personal time?
Venus
Sunrise Manor, NV
To verify if you are permitted to drive your company car for personal use and be covered by their auto insurance you need to check with the company you work for in Sunrise Manor, Nevada. Your employer might have guidelines against this or have some sort of exclusion for this with their insurance provider.
Check with your company and you might choose to also follow up with the insurance provider so that you are certain that you are covered when driving the company car during personal time.
Auto Insurance Financial Responsibility Information in Nevada
Reader’s Question:
I would like to ask whether there would be some auto insurance financial responsibility information I need to know if I am located in Sunrise Manor, Nevada.
Gregory
Sunrise Manor, NV
For you to know the most basic information, I will give you the mandatory insurance coverage in Nevada. The State of Nevada mandates that it is illegal to operate motor vehicles, motorcycles, mopeds or golf carts on Nevada roadways without liability insurance coverage. It is also illegal for any motor vehicle owner to allow anyone else to drive the vehicle in Nevada jurisdiction without insurance.
For you minimum mandatory insurance coverage for the State of Nevada, remember the number 15/30/10. This means corresponding auto insurance coverage as: $15,000 bodily injury for one person in one accident; $30,000 for two or more persons in one accident; and $10,000 property damage incurred in one accident.
Law enforcement officials in Nevada will ask for proof of insurance at the time of a traffic stop or at the time of an accident in which damage or injury occurs. A valid insurance card from Nevada NV must be presented to provide proof of insurance coverage. If your policy has lapsed or has not been renewed, the Nevada Department of Motor Vehicles (DMV) will suspend your driver’s privileges until proof of insurance from a local insurer in Sunrise Manor, Nevada is provided.
You can shop for free online quotes in Sunrise Manor, Nevada NV from the comforts of your home or office so you will get to compare rates. This page will let you do that by accomplishing the form above.
Will my Son Be Covered in My Car Insurance Policy in Nevada If He is Not Listed?
Reader’s Question:
We live in Henderson, Nevada and I’m planning to buy a new car for my 16-year old son. If he is not yet listed on my auto insurance policy and he gets into an accident, will my insurance give us coverage?
Andre
Henderson, NV
There would not be coverage for this in many cases. Most companies require that all household members and/or drivers be disclosed on the insurance policy. You can check with your insurance company or agent to determine if this loss will be covered.
When you decide to insure your son, you can always get some comparison prices for auto insurance in Henderson, Nevada from this site. While your getting your auto insurance quote, you may also want to consider a higher deductible. Going from a $250 to $1,000 deductible can save you 10 to 20% on your premium. You would want to decide whether or not you can absorb the out-of-pocket expense in the event of an accident Choosing a car is another way to keep your auto insurance quote lower. Think twice if you are planning to buy your son a new sports car because a safe and stodgy used car would be easier on your insurance rates. That is because it is less likely to be stolen, and may do better in a crash test. Your premiums should reflect these differences and you may probably want to have the vehicle in your name.
Tips for First Time Car Insurance Buyers in Nevada
Reader’s Question:
It’s my first time to shop for auto insurance in Las Vegas, Nevada since I just crossed all the way from CA. I appreciate if someone could give me some basic guideline on auto insurance policies.
Ariel
Las Vegas, NV
The state of Nevada law requires you to have at least $15,000/$30,000/$10,000 in liability car insurance. This coverage means you must at least carry $15,000 because of bodily injury to or death per person per accident to a limit of not less than $30,000 because of bodily injury to or damage of property, and to a limit of not less than $10,000 for injury to or damage of property of others per accident.
The state of Nevada has mandatory liability responsibility laws that are met through NV Licensed Insurance Companies. All registered cars are required to have the minimum liability coverage. Should the car insurance coverage lapse while registration is still current, The Department of Motor Vehicle may suspend the car registration and charge a $250 reinstatement fee.
According to the NV Department of Motor Vehicles you must cancel your NV registration if you cancel your car insurance. You must surrender your license plates if you terminate or cancel the liability insurance on any car for any reason.
The NV Department of Motor Vehicles and police officers use direct mail verification, roadside spot-checks, and insurance carrier data comparisons provide verification methods to make sure compliance of the financial responsibility law.
Car Insurance Question – Salvage Value on a Car in Nevada
Reader’s Question:
I live in Sunrise Manor, Nevada. My Nissan Pathfinder was totally submerged in a lake along with my boat and trailer. Does it have a salvage value since it can now be considered a flood-damaged vehicle? If I decide to sell it to someone else, should I keep it a secret that the car was damaged? After my car was repaired, how can I be sure that it wouldn’t cause me any more problems?
Ashley
Sunrise Manor, NV
When a car gets caught in a flood, you may feel hopeless that once it dries out, it simply goes to the salvage yard. That is not usually the case. There are instances that flood-damaged cars are declared totaled by an insurance company, sold through auto-salvage auctions, shipped hundreds of miles away, and cleaned up by dealers for resale.
There’s no guarantee that you will not encounter any more problems after your flood-damaged car has been restored to its pre-flood condition, but you have to make sure the repairs are thorough. It would be advised to tell that it’s been flood-damaged to the one you’re selling it to. I suggest contacting your Sunrise Manor, NV insurance agent or your insurance company.
Can I Purchase Car Insurance Even Without a Car in Nevada?
Reader’s Question:
I live in Paradise, Nevada and I would like to ask if I can purchase car insurance even if I do not own a car? I would like to get the protection I need since I sometimes drive a car to the city when I need to and rent it from rental companies.
James
Paradise, NV
How are you doing, James?
Thanks you for asking a very legitimate question about car insurance. A non-owner’s car insurance is something that fits your insurance needs. This is often helpful for people who live in a metro area and often leads to a scenario where this coverage is needed or wanted. As most people who live in metro areas often don’t own vehicles for many reasons: cost, space, cost of insurance, etc; auto insurers have designed this type of auto insurance. This is really intended for short term protection if driving becomes occasional. It is one of the most practical options if you do not own a car.
What happened when you’re driving a car not owned by you is that the insurance on the car is primary. You would become liable for the remaining uncovered damage if more damage occurs than coverage afforded by the policy. Every time you rent a vehicle and you purchase the coverage they offer, there wouldn’t be a coverage gap in the above scenario. If you rent a vehicle quite often, the premium for the coverage can become expensive over a years time and will be very impractical. A non owner policy might be a more cost effective for you in Paradise, Nevada. This policy will cover accidents for any vehicle you’re driving and not merely accidents while driving the rental car.
I strongly suggest for you to shop around among companies and not always go for the cheapest rate, but to check for coverage too.
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