09/25/2026
Most drivers pay for coverage every month and never read their policy. Then a crash happens, and the fine print decides everything.
Here is what each line on your policy does.
‣Liability. Pays for injuries or property damage you cause to someone else. Does not repair your own vehicle.
‣Collision. Helps repair your vehicle after a crash, whether you hit a car, a pole, or another object.
‣Comprehensive. Covers non-collision losses. Theft, vandalism, fire, hail, flood.
‣Uninsured and underinsured motorist. Protects you when the driver who hit you has no insurance or not enough to cover your losses.
‣Medical payments. Helps pay medical expenses after a crash regardless of who caused the accident.
One number worth knowing. Nevada's required minimum is 25/50/20. In dollars: $25,000 per injured person, $50,000 per accident, and $20,000 for property damage. A serious crash goes past those limits fast. Uninsured and underinsured coverage protects you when the other driver bought the minimum.
The coverage available after a crash depends on two things. The policies purchased and the facts of the accident. Both take experience to read correctly.
Our attorneys read these policies every day. Decades of experience. Hundreds of millions of dollars recovered for injured people across Nevada. Judges and insurance attorneys know our record.
Do this tonight. Pull up your declarations page. Find these five lines. If one is missing, ask your agent why.
Which of these five did you not know you had? Tell us in the comments.
Save this post for your next renewal. Share with someone who drives.
Hurt in a crash? Please reach out and allow us to help.
Free consultation. No fees until we win.
Call or text 702-722-6111.
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