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Guide to Nevada Car Insurance Coverage

Ultimate Guide To Understanding and Purchasing NV Auto Insurance

  • What is the minimum amount of liability coverage I am required to carry in Nevada?

Under NRS 485.185, any owner of a car is required to have the car continuously insured while the car is either physically in the state or actually registered with the DMV.  The minimum amounts are:

  1. $25,000 for bodily injury or death to any one person involved in any one crash;
  2. $50,000 for bodily injury or death of two or more persons in any one crash; and 
  3. $20,000 for property damage. 
  • What is the criminal penalty for failing to have a policy of liability insurance? 

Failing to have the car insured will result in a misdemeanor conviction and a fine of up to $1000.00 plus fees and assessments.  There are options to have this fine amount reduced if you obtain insurance after the fact of the citation.  Call us now to discuss this option. 


  • Can I obtain additional insurance for bodily injury?


Uninsured/Underinsured Motorist (UM/UIM) provides medical bill coverage for you and your passengers if the other driver is at fault and does not have any insurance or fails to have enough insurance coverage to pay for your losses.  t have enough insurance (underinsured) to pay all of your loss, this coverage pays for the medical costs of you and your passengers.


Medical Payments (Medpayinsurance for treatment of injuries to the driver and passengers regardless of who is at fault in the accident.  It also covers injuries to pedestrians who are hit by a car.


  • What other types of damages can I insure against?


Collision Insurance.  In addition to injuries to a person from a car accident, you can obtain collision insurance which covers damage to your car as the result of a collision regarding of who is at fault for the accident.  This policy pays for your car to be repaired or the equivalent of money damages.  This policy does not pay for injuries to any drivers or passengers.  


Comprehensive.  This insurance covers you against losses that occurred from something other than a collision, such as theft, hail damage, falling object, flood, or fires.  This policy does not pay for injuries to the driver or any passengers.


Rental Car Reimbursement.  This provides a fixed daily amount rental car coverage during the time that your car is being repaired regardless of who is at fault for the accident.


GAP Insurance or “Guaranteed Asset Protection” insurance will pay the difference between what is owed on the car loan and the replacement cost of the car if it is determined to be a total loss. If you do not have GAP insurance and you owe more on your loan than what the insurance company will pay for the loss, you will need to pay the different to the lender yourself.  This situation usually only arises in conjunction with the purchase of a brand new car. You can purchase this insurance directly from the dealer, or you can shop around to find the best rates.


  • What is a “deductible?”


This is the amount you pay out of pocket before the insurance will pay for your loss.  This only applies to collision and comprehensive coverage.  For example, if you have a $1000.00 deductible and $5,000.00 in damages, you will pay $!000.00 and the insurance company will pay $4000.00.


  • What factors go into determining the cost of my insurance?


There are a number of different factors that insurance companies use to determine the price you pay.  Some of these factors are:


  • Your driving record.  This is why it is imperative to retain an attorney to attempt to negotiate any citations to non-moving violations.
  • Claims history.  Generally the more claims, the higher your rates will cost. 
  • Your zip code.  Different zip codes carry lower rates.  
  • Gender and age. Women generally pay less because they have fewer claims and with less overall damages. 
  • Marital Status.  Generally insurance is lower for married people.
  • Make and model of your vehicle.  More expensive cars are usually more costly to insure.
  • Credit.  Generally, the higher your credit score, the less of a risk you are deemed and the lower your insurance generally costs.


  1. What questions should I ask my insurance broker when I am shopping for a policy?  You want to make sure that you have the appropriate level of coverage for your financial situation.  You definitely do not want to be underinsured so that your assets are at risk in an accident claim, but you do not want to be over-insured and wasting money on a policy for coverage you may not need. 

Las Vegas car insurance coverage


First, take an accurate accounting of your financial situation with you to the meeting, including how much you make, what you own, bank account information, any other asset information, including under what name the assets are held. 


  • Ask if the policy you are shown has high enough limits to protect you if you are at fault in an accident 


  • Ask how much you will pay if you purchase additional insurance.


  • Ask if the policy covers additional drivers other than you.


  • Ask exactly what types of damages your policy covers.  Many people are told they are purchasing “full coverage” insurance so they believe they have more coverage than they actually do.  “Full coverage” is not a legal term.  Carefully discuss the policy with your agent and go over each type of coverage you want to make sure it is in your policy.  


  • Ask if your policy will cover you if you are in an accident in a rental car


  • Ask if the policy will cover you while you have an accident while traveling for work.


  • Ask if you have rental car coverage and what the limit is per day and if there is a total limit.


  •  Ask, if you need to use the policy due to an accident, will the parts used for repair be new or after market? 


  • Ask how much you can save if you pay a higher deductible? 


  • Ask what discounts are available.  Insurance companies usually offer a discount if they insure more than one car per family and also add a policy of insurance such as homeowner’s coverage.. 


  • Ask how you pay for the policy.  Is it monthly or quarterly and is there a finance charge to pay over time.


For more information about how Hinds Injury Law can help you with your car accident needs visit our website or visit us here:

Hinds Injury Law Las Vegas

600 S 8th St Suite 140, Las Vegas, NV 89101

(702) 940-1234

Car Accident Lawyer Las Vegas