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Auto Insurance
Other Optional Coverages
Collision
This protects against damage to your vehicle resulting from a collision with another vehicle or object regardless of whom is at fault. If the other driver is at fault, your insurance company may have a legal right to seek reimbursement from the other driver or the other driver’s insurance company.
Comprehensive
This insures you against theft or other damage to your vehicle other than collision, such as wind damage, falling objects and vandalism.
Collision and comprehensive coverages are subject to a deductible selected by the insured. Other coverages that may be sold include towing and mechanical breakdown.
Medical Payments
This pays for reasonable and necessary medical expenses, without regard to legal liability, resulting from accidental bodily injury while operating or occupying an insured vehicle or being struck as a pedestrian by a motor vehicle. “MedPay” is often purchased in nominal amounts, such as $1,000, to provide a means for quick payment of minor medical bills without having to deal with the courts or other insurance companies. This coverage must be offered pursuant to Nevada Revised Statute 687B.145(2), but does not have to be accepted by the insured.
Uninsured/Underinsured Motorist
This protects the named insured, the named insured’s resident relatives and occupants in the insured vehicle, if they sustain bodily injury in an accident in which the owner or operator of another motor vehicle is legally liable and does not have insurance (uninsured) or does not have enough insurance (underinsured). This coverage must be offered pursuant to Nevada Revised Statute 687B.145(2), but does not have to be accepted by the insured.
