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.

La cobertura comprensiva en seguro de auto Las Vegas, paga el por daños a su vehículo de cualquier otra causa, las cuales incluyen:

Fuego
Condiciones climáticas extremas
Vandalismo
Inundaciones
Robo

La cobertura comprensiva cubre también vidrios rotos y daños a su parabrisas, esta cobertura es completamente opcional y la ley no requiere tenerla.

Cobertura comprensiva y deducibles, en seguro de auto Las Vegas

Si usted tiene cobertura comprensiva, va a haber un deducible que pagar si se hace un reclamo a la compañía de seguros.

Entre más alto sea el deducible, más bajo sera su pago mensual. Si el deducible es bajo, su pago mensual será más alto.
de $1000 dlls, usted paga $250 dlls y la compania de seguros cubrira el resto que es $750 dlls.

Cuando usted compra un carro Nuevo y el carro esta financiado por un banco o por una institucion financiera, va a requerir tener esta cobertura, en caso de que le pase algo a su vehiculo, ya que el vehiculo es considerado como un collateral al prestamo.
Si este es SU caso, le recomendamos obtener el deducible mas alto possible que pueda pagar comodamente para tener un costo mensual de seguro mas bajo.

Cobertura de colisión en seguro de auto Las Vegas

Las cobertura de colisión protege los daños a su vehículo, sin importar de quien fue la culpa. Esta cobertura prove los fondos necesarios para reparar danos hechos a SU vehículo durante el accidente; también el costo de su vehículo si el vehículo es considerado una pérdida total.

Las coberturas comprensiva y de colisión generalmente se venden juntas. Cuando hable con su agente de seguro preguntele cuales son las mejores opciones para usted en su seguro de auto Las Vegas.

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.

Las coberturade de no-asegurado y sub-asegurado en seguro de auto Las Vegas, lo protege a usted, (la primera persona) directamente cuando el accidente no es su culpa.

Cobertura no-asegurado en seguro de auto Las Vegas

La cobertura no-asegurado funciona cuando estas dos cosas pasan:
1.Usted es golpeado por un conductor que se escapa del accidente
2.Si el conductor que lo golpea a usted no tiene seguro de auto Las Vegas

Cobertura sub-asegurado en seguro de auto Las Vegas

La cobertura sub-asegurado funciona cuando el conductor del otro vehículo (la persona que lo golpeo a usted), no tiene suficiente seguro para cubrir sus lesiones corporals.
Es muy importante saber que la cobertura no-asegurado y sub-asegurado en seguro de auto Las Vegas, solo cubre sus lesiones y no cubre ningun tipo de dañno a su vehículo.
La ley de Nevada no le oblige a cargar estas coberturas, sin embargo, su agente de seguro tiene que ofrecerle esta cobertura de seguro de auto 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.

¿Qué es la cobertura médica en seguro de auto Las Vegas?

La cobertura médica cubre todos los gastos médicos razonables y gastos de funeral para la primera persona (o persona que tiene la cobertura) y sus acompañantes en el vehículo.
La cobertura médica cubre estos gastos médicos aunque usted tenga la culpa del accidente.

Por ley, cuando usted compra seguro de auto, se le va a ofrecer un mínimo de 1000 dlls de cobertura médica de seguro de auto las Vegas.

Las diferentes coberturas médicas pueden ser:
$1000
$2000
$4000
$5000
$10000
Y en algunos casos hasta $20000 dlls.

Qué gastos estan cubiertos por la cobertura médica en seguro de auto Las Vegas?

La cobertura médica cubre los siguientes gastos:
Gastos de Hospital
Cirugias
Rayos X
Dental
Enfermería
Ortopedía
Y gastos funerarios

Tambén cubre los gastos medicos del asegurado cuando va de pasajero en otro vehiculo.

Es muy importante que sepa que esta cobertura de seguro de auto Las Vegas cubre todos los gastos mencionados aunque el accidente sea culpa del asegurado.

Cuando usted este hablando con su agente de seguros, su agente esta obligado por ley de ofrecerle cobertura médica, sín embargo, no hay ninguna obligación legal de tener cobertura médica.

Dicho esto, nosotros le recomendamos tener algún tipo de cobertura médica. Ahorrar unos pocos dolares hoy, en seguro de auto Las Vegas, le puede costar mucho en gastos de salud el día de mañana.

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.

On sat may 21st 2011 Estrella Insurance took part of a community event held in our parent shopping center at bonanza and Eastern, it was a lot of fun and we got to raffle off prizes to our valued customers and had a lot of fun!

Here are some of the pictures we took of our awesome team members!

Las Cobertura de riesgo es la cobertura minima necesaria si usted esta manejando un vehículo en el Estado de Nevada. Es obligatoria y requerida por ley; mantener esta cobertura vigente es extremadamente importante.

¿ Qué pasa si usted no tiene la cobertura mínima de riesgo requerida en seguro de auto Las Vegas ?

Siempre hay que mantener cobertura continua ya que el DMV de Nevada lo multará inclusive si su cobertura se suspende solo un día. Si eso pasa con su seguro de auto Las Vegas, sera multado $250 dlls. por vehículo.

También es importante saber que si un official lo para y usted no tiene seguro de auto Las Vegas. Usted recibirá una multa de $1000 dlls. en la fecha de este blog.

Dicho esto debe tener seguro deauto Las Vegas, sin interrupción.

LA COBERTURA DE RIESGO EN SEGURO DE AUTO LAS VEGAS LE DA LAS SIGUIENTES COBERTURAS:

El seguro de riesgo, cubre lesiones físicas y daños de propiedad que usted ha provocado a otro. La cobertura de riesgo NO cubre propio vehículo o sus lesiones físicas.

Si el accidente es su culpa, los daños a su vehículo no estan cubiertos, si lo único que usted tiene es la cobertura mínima de ley.

CUAL ES LA COBERTURA MINIMA DE RIESGO DE SEGURO DE AUTO LAS VEGAS

La cobertura mínima de riesgo en el estado de Nevada es 15/30/10, y funciona de la siguiente manera:

15,000 para lesiones corporales

Este es la máxima cantidad que sera cubierta por la compañía de seguros, por persona en el vehículo afectado. Esto incluye gastos hospitalarios, doctores, rehabilitación y todo lo que tenga que ver con las lesiones de la persona afectada o 3era persona.

***Es muy importante que usted sepa que si la persona requiere mas de 15 mil dlls. Usted puede ir a corte para pagar la diferencia***

30,000 para lesiones de TODAS las personas en el vehículo

Esto cubre un máximo de 30 mil dlls repartidos entre todas las personas que esten en el vehículo afectado. Por ejemplo, si hay dos personas en el vehículo, esta cobertura, otorgará 15 mil por persona, si hay 3 personas, solo cubrirá 10 mil dlls por persona.

$10,000 dlls para daños de propiedad

Esto cubre HASTA 10mil dlls en daños a el vehículo o propiedad de la persona a la que usted daña.
Para evitar consecuencias legales siempre recomendamos tener una mayor cobertura a la cobertura mínima de ley en su seguro de auto Las Vegas.

Cuando usted hable con un agente de seguros, es muy posible que se le recomiende obtener mayores coberturas a la cobertura mínima de ley, para evitar ser responsable de los altos costos que pueden darse sí se pasan los límites minimos de riesgo en su cobertura de seguro de auto Las Vegas.

Ahorrar un poco hoy le puede costar mucho en el futuro si usted no obtiene las mejores coberturas. Muchas agencias entienden esto, y otorgan mayores descuentos a coberturas mas extensas.

Asegurese de hablar con un agente certificado que le pueda ayudar a entender cuales son sus opciones. Su cobertura de seguro es algo muy personal. Por lo tanto le recomendamos hablar con un experto que lo pueda guiar y ayudar a obtener la mejor cobertura de Seguro de Auto Las Vegas para USTED.

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.