Ash Watkins Discusses Auto Insurance Policies on Las Vegas Morning Blend

LAS VEGAS, Nev. (Morning Blend) — As the school year kicks off and Las Vegas roads get busier, it’s the perfect time to review your auto insurance policy and driving habits. 

Many drivers are unaware if their insurance policies actually provide the coverage they need in the event of an accident. Most drivers think they’re fully protected but often overlook essential coverages like uninsured/underinsured motorist coverage, which can make a huge difference in the event of a serious accident.

Understanding Nevada’s Insurance Requirements

Nevada law requires all drivers to carry liability insurance. This coverage protects others in the event that you’re responsible for a car accident. Liability insurance covers bodily injury to others and property damage, helping you meet financial responsibilities if you cause an accident.

However, what varies from state to state is the minimum amount of coverage required. In Nevada, the minimum liability limits are:

• $25,000 for bodily injury per person
• $50,000 for total bodily injury per accident (two or more people)
• $20,000 for property damage

Full Coverage vs. Liability Insurance

While liability insurance covers damages to the other party, it doesn’t offer protection for your own vehicle or injuries. 

• Collision Coverage: Helps pay for repairs to your vehicle after an accident, regardless of who was at fault.
• Comprehensive Coverage: Covers non-collision-related damages to your car, like theft, vandalism, or natural disasters.

But most importantly, you need underinsured and uninsured motorist coverage, which protects you if you’re in an accident with a driver who doesn’t have enough insurance to cover your damages—or no insurance at all. Ash recommends every driver add this crucial coverage to their policy.

What You Should Keep in Your Coverage

If you’re reviewing your insurance policy, underinsured and uninsured motorist coverage as a must-have for all Nevada drivers. With many drivers on the road carrying only the minimum liability insurance (or none at all), this coverage can be a financial lifesaver after an accident.

Additionally, considering higher liability limits beyond the state’s minimum can provide greater protection in more severe accidents, ensuring you’re not left financially vulnerable if damages exceed your policy limits.

Why You Should Hire an Injury Lawyer After a Car Crash

Car accidents can be overwhelming, especially when it comes to dealing with insurance companies. Here’s why it’s important to hire a trustworthy attorney to help: 

• Financial Reimbursement: An experienced attorney will fight to make sure you get the compensation you deserve for your injuries, lost wages, and vehicle damage.
• Relieving Stress: Navigating insurance claims, dealing with phone calls, and processing paperwork can be stressful. Hiring a lawyer allows you to focus on getting your life back together while they handle the legal details.
• Clear Communication: A dedicated injury lawyer will keep you informed every step of the way, so you’ll never have to worry about what’s going on with your case.

School Road Safety Reminders

As traffic increases around schools, road safety becomes even more critical. Ash shared some important tips to keep children safe:

• If you see a school bus, always assume children are nearby. Kids may not always follow the rules of the road, so it’s important to stay cautious.
• Stop on both sides of the road when a school bus is stopped, especially if it’s red lights are flashing. Children may be crossing the street unexpectedly.
• Slow down and be extra vigilant whenever you see a school bus, and always stop if the red lights are on, no matter which side of the road you’re on.

Everyday Driving Habits for Safety

To avoid accidents and stay safe on the road, Ash shared some simple but effective tips for everyday driving:

• Drive a little slower: It’s better to arrive safely than to speed and risk an accident.
• Don’t rush through yellow or red lights: Being a few minutes late is much better than being involved in a crash.
• Avoid texting and driving: That message can wait until you’re safely parked.

Protect Yourself Before a Car Accident Happens

• Understand your coverage: Make sure you know exactly what your auto insurance covers.
• Increase your liability limits: Consider going beyond Nevada’s minimum coverage to protect yourself in serious accidents.
• Add underinsured/uninsured motorist coverage: Protect yourself from drivers without adequate insurance.
• Stay cautious around school zones and buses: Safety is always the priority.
• Drive with patience and avoid distractions: Don’t rush, and always stay focused on the road.

For more tips on protecting yourself before an accident and understanding your legal options after one, reach out to the team at Sam & Ash Injury Law. We’ll listen to you, explain your legal options, and work to get What’s Right for you. Call us at 702-820-1234 or contact us online now.

Sam & Ash — Because You Deserve What’s Right.