Mercury Auto Insurance in Nevada
One main aspect that one should give good thought to before purchasing Mercury car insurance policy is the amount of coverage to avail. While every state has legally specified minimal requirements, it is always better to increase the level of Mercury auto insurance coverage in Nevada for increased financial protection. Keep your budget in mind too while determining the amount of Mercury auto insurance coverage you would like to go in for.
How much Mercury auto insurance should I buy in Nevada?
This is an often asked question to which there is no straight answer. The best answer that any auto insurance agent can give you is that you must buy as much insurance as you can afford. And the good news is that it is going to cost you a lot lesser to insure your car in Mercury, Nevada than any of the big cities. This is one of the benefits of staying in a small town.
So how do you go about deciding just how much auto insurance do Buy in Mercury, Nevada?
The first thing to do is to find out how much the state prescribes as the minimum auto insurance coverage. This way you will know how much is the bare minimum.
In Nevada, for bodily injury liability the coverage is 15000$ per person for each accident and 30000$ for all the individuals involved in the accident per accident. And for property damage sustained during the accident, the minimum coverage required is 10000$ per accident.
The second step is to understand what the minimum covers?
As can be seen from the figures, the minimum coverage is just not enough for a major accident. You can get away with minor accidents, but face the facts a real accident could affect you such that the insurance will not even matter. The bodily liability coverage for the entire accident is not even enough for a single persons medical bills. In fact the emergency treatment itself will cost so much. And the 10000$ for property damage can get you some windows, a bumper replacement and a good paint job at the most!
So now you know that the minimum coverage is just not enough.
The third step is to find out what other coverage is available and if you can afford it.
There are other options like tort option, medical benefits, underinsured or uninsured motor vehicle coverage, rental car reimbursement etc.
Tort option coverage will help you fight legal battles in court with relation to accidents suffered in your vehicle.
Medical benefit coverage is an additional post trauma medical coverage for expenses like prescription medicines and follow-up treatments.
Uninsured motorist coverage allows you to file a claim with your insurance company for an accident which was caused due to another person. In this case you can file the claim with your insurance company because the other person does not have insurance or is underinsured. This makes sense if you own a Ferrari, since no average joe would carry insurance coverage to the extent of paying for that car!
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