Liability is the minimum auto insurance Las Vegas coverage a person is required to carry if driving a vehicle in the state of Nevada. It is mandatory and required by law to maintain such coverage while your vehicle is registered in the state.

What happens if I you don’t have the minimum state required liability insurance for auto insurance Las Vegas ?

You must maintain continuous coverage with at least the minimum liability insurance. The Nevada DMV will fine you even if the lapse is for 1 day and you don’t have the minimum Liability auto insurance Las Vegas. At the this blog-post this fine is at least $250 per registered vehicle.

Also, if you are driving with no auto insurance Las Vegas and get pulled over by a police officer, you will get a substantial fine, which at the time of this blog-post is above a $1000 dlls.

Being that said you must have auto insurance Las Vegas on your vehicle at all times.

LIABILITY AUTO INSURANCE LAS VEGAS COVERS:

Liability insurance covers bodily injury and property damage that YOU have done to another. Liability does not cover any of your own vehicle damage or your bodily injury. In the event that the accident is your fault, your vehicle damage will not be covered if all you have is the minimum state required insurance.

THE ABSOLUTE MINIMUN LIABILITY AUTO INSURANCE LAS VEGAS COVERAGE

The allowable state minimum liability insurance limit you may have is 15/30/10, here is how this works:

15,000 for bodily injury
This is the maximum amount of coverage your insurance company will pay out for bodily injury per person injured in the other vehicle. This includes hospital bills, doctors, rehabilitation and everything that has to do with the third person’s bodily damage.

***It is very important that you know that if a person has damage for more than $15,000 dollars. You can be sued for the difference. ***

30,000 for bodily injury of all the people in the vehicle

This covers up to 30,000 dlls. Of bodily injury for all the injured people in the vehicle, for example; if there are two people in the vehicle it will cover up to 15,000 per person maximum 30,000 for bodily injury, if there are 3 people in the vehicle it will cover up to 15,000 per person with a maximum of 30,000 for everyone who is injured. Therefore, the maximum coverage per occurrence divided amongst all the injured people in the vehicle would be 30,000.

10,000 for property damage

This covers up to 10,000 dlls. in damage to the vehicle of the person that you hit or damage made to the property of others (other than a vehicle).

If you want to avoid legal responsibilities we always recommend getting higher coverage than the absolute minimum.

When you talk to an insurance agent, they may recommend getting a little more coverage than the minimum because you can be personally liable for any costs that go over your liability limits for you auto insurance Las Vegas policy.

Saving a few dollars today can cost you a lot in the future if you don’t get the RIGHT insurance protection. Many insurance companies understand this and in some instances provide a discount if you elect higher coverage.

Always make sure that you talk to a licensed insurance representative who can help you understand what your options are. Insurance is something very personal and you should always talk to an expert that can walk you through and help you get the best coverage for your individual situation with your auto insurance Las Vegas.