This blog post is made to inform Las Vegas of our brand new location

1445 N. Jones Blvd
Las Vegas, NV
89108

Things are good in Las Vegas this summer we are opening our 4th location in the Las Vegas Valley and we are helping the Vegas community get the best discounts in insurance.

Estrella Insurance offers

Auto Insurance

Home and Renters Insurance

Business Insurance

Commercial Vehicle Insurance

Motorcycle Insurance

DMV Services

and more…
Remember we quote you over 30 different companies nation wide, so we can help you find the best insurance deal possible and all the discounts YOU deserve in Las Vegas!

And we have an opening special this month!

GRAND OPENING SPECIAL
NO DOWN PAYMENT ON YOUR AUTO INSURANCE POLICY

Visit our page to get the cheapest auto insurance las Vegas and other deals!

This post will give you a small brief and simple explanation of comprehensive auto insurance Las Vegas.

The first and most important think you should know is that comprehensive auto insurance Las Vegas coverage covers everything else other than collision coverage.

The coverages in comprehensive auto insurance Las Vegas are:

Theft

Vandalism (a very common occurrence in Las Vegas)

Flood (Rare but surprisingly it does happen)

Hailstrom (Once or twice a year in Vegas)

Fire (Yes it happens)

To mention a few…

If you have comprehensive auto insurance Las Vegas, you might have to pay a deductible. A deductible is an out-of-pocket expense that an insured person pays before getting payment from an insurance company.

Deductibles can range from $250 to $500 to $1000

Remember that the higher the deductible you pay, the lower the monthly premium on your policy.

When you are financing an automobile, most lien-holders will require you to carry comprehensive auto insurance Las Vegas.

Nobody likes to be in an auto accident. But it is better to know what to do in case this happens to you, with your Las Vegas car insurance.

If you are ever in a car accident and you have to file an insurance claim. These are the basic things you have to do.

1. Make sure everyone involved in the accident is ok. Even yourself.
In the case of major injury, first thing you do is call 911 or have someone else call.
If the accident is minor, move the cars to a safe place, away from traffic.

2. After this call the police, the police can be reached at 311 which is non-emergency number, and 911 which is the emergency number.

3. Notify your insurance agent immediately. You will be able to find their number in your proof of insurance. We can also help you in any case, call us directly at 702.382.1177

4. OTHER IMPORTANT TIPS

a. Do not sign any document, unless it is issued by the police or your insurance agent

b. Be polite and don’t tell anyone the accident is your fault

c. Exchange insurance information with the other party involved in the accident

d. Make notes about the accident

e. Get witnesses names and numbers

f. If possible take pictures

Estrella Insurance is here to help you, if you need anything or have any questions, please call us at 702.382.1177 or you can reach us on the web at www.directoestrella.com

When having a car accident there can be additional expenses, that can be avoided or diminished if you add these extra coverages to your auto insurance Las Vegas policy.

Towing Coverage in auto insurance Las Vegas

Towing can include:
Taking your disabled vehicle to the repair shop
Gas delivery
Changing a tire
and other labor performed at the location of the breakdown

The premium for this coverage is very minimum in comparison to the benefits that can be gotten.

Rental Reimbursements in Auto Insurance Las Vegas

Rental coverage usually can range from $15 to $50 dollars a day to rent a car for a specific number of days while your vehicle is being repaired for damages incurred from an accident caused by you. The premium varies from insurer to insurer.

Guaranteed asset Protection (GAP)

This pays the difference if there is an outstanding loan on the car and the replacement cost of the vehicle if the vehicle is determined to be a total loss. Or the “GAP” if your loan is worth more than what the vehicle is worth at the time of the accident. Remember this coverage works when the covered vehicle is a total loss.

When talking to your agent make sure he gives you all the information on additional coverages in auto insurance Las Vegas. Remember insurance has to be something that has to be fitted to your personal needs and budget.

Comprehensive coverage in auto insurance Las Vegas pays for damage to YOUR VEHICLE from almost all other causes, these would include:

Fire
Severe Weather
Vandalism
Floods
And Theft
Comprehensive coverage also covers broken glass, such as windshield damage.

Comprehensive coverage is completely optional and you are not required by law to carry it.

Comprehensive coverage and deductibles in auto insurance Las Vegas.

If you have comprehensive insurance. There could be an deductible involved if you make a claim.

The higher the deductible the lower your insurance premium. The lower the deductible you choose to pay at the time of a claim the higher your insurance premium will be.

For example if you choose a $250 dlls. deductible, and you have a claim for a 1000 in vehicle damage, the insurance company will front $750 and you will have to pay $250 dlls.
Another instance where you may need to have comprehensive coverage is if you buy a new car and it is financed by a financial institution because they consider the vehicle as collateral for the loan that you are being given.

In this case we recommend getting the highest deductible that you can afford comfortably so that you can have a low premium on your policy.

COLLISION COVERAGE IN AUTO INSURANCE LAS VEGAS

Collision coverage in auto insurance Las Vegas protects you from damage to your vehicle, regardless of who was at fault in the accident. Collision coverage provides for the repair of the damage to your vehicle or a monetary payment if the vehicle is a total loss.

If the other driver is at fault your insurance company may seek to get reimbursement from the other persons insurance company

Collision and comprehensive coverage are generally sold together. But some insurance companies will sell it as separate coverages. Be sure to ask your insurance agent to know what is the BEST option for YOU in auto insurance Las Vegas.

What is uninsured-underinsured coverage?

Uninsured and underinsured coverage in auto insurance Las Vegas, protects you (the first person) directly when the accident is not your fault.

Un-insured coverage in auto insurance Las Vegas

Un-insured coverage works when you when this two things happen:

1. If you are injured by a hit-and-run driver.
2. If the driver who hits you does not have auto insurance

Under-insured coverage in auto insurance Las Vegas

Under-insured coverage works when the driver of the other vehicle (vehicle that hits you), does not have enough insurance to cover your injuries.
It is very important that you know that Un-insured and under insured coverages in auto insurance Las Vegas ONLY COVERS YOUR INJURIES, it DOES NOT COVER ANY
VEHICLE DAMAGE.

Nevada law does not require that you carry uninsured/underinsured. However by law, your insurance agent has to offer you this auto insurance Las Vegas coverage by law.

Make sure to always have auto insurance Las Vegas with no lapse.

What is medical coverage in auto insurance Las Vegas?

Medical coverage covers all reasonable health expenses and funeral expenses for the first person (or insured) and persons riding in the vehicle of the first person; that means YOU and the people riding in the vehicle. This will cover these expenses even if the accident is YOUR fault.

By law, when buying auto insurance Las Vegas, your insurance company should offer at least 1000 dlls medical coverage.

The different medical coverages can be

$1000
$2000
$4000
$5000
$10000

And in some cases up to $20000

What expenses are covered by my auto insurance Las Vegas medical coverage?

This covers all reasonable hospital, surgical chiropractic, x-ray, dental, professional nursing, prosthetic and funeral expenses.
It will also cover you while riding in another person’s automobile.
It is very important that you remember that this coverage will be paid to you even if you caused the accident.

When talking to your insurance agent he or she will be required to offer you this coverage but there is no legal obligation to have this coverage, but, it is highly recommended that you do have some medical coverage for yourself and your loved ones, saving some dollars today on auto insurance Las Vegas can be very costly in healthcare bills tomorrow.

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.

What are the basic auto insurance Las Vegas coverages?

Before talking about the basic auto insurance Las Vegas coverages one should know the basic parties involved in an insurance claim, or in an accident.

The first party is you the insured.

The second one would be the insurance company

The third person would be the other person in the accident which you hit or the person who hits you.

The basic auto insurance Las Vegas coverages are:

Liability, Medical, Un-insured motorist, Comprehensive, Collision and Towing and Rental. And here is a basic explanation of them.

Liability coverage in auto insurance Las Vegas

This covers the 3rd person, or the person that you hit, In Nevada the minimum liability coverage is called 15/30/10. And the coverage works out like this:

$15,000 for the injured person.

$30,000 for the Injured people in the vehicle, this is the maximum coverage, regardless of how many persons are in the vehicle, and it will only cover $15000 maximum per person.
$10,000 for vehicle damage

Medical Coverage in auto insurance Las Vegas

Only covers your medical expenses when the accident is your fault.

Un-insured and Under-insured motorist

This applies when the accident is not your fault, and the person who strikes you, does not have insurance, not enough insurance or a hit and run driver.

Comprehensive
Comprehensive coverage covers your vehicle from theft vandalism or fire.

Collision
This covers property damage to the vehicle.

Make sure you are always informed on auto insurance Las Vegas, so you can make the most informed decision possible and save yourself the most money and problems on auto insurance Las Vegas

In this Video, Jose Arias Goes through basic liability auto insurance coverages.

What it is, how it works and what it covers.