Car Accident Insurance Requirements in Nevada

Q: What are the minimum car accident insurance requirements in Nevada, and how much do you recommend as a bare minimum if I were to buy up to a reasonable level?

The Nevada law says the minimum limits are $15,000 per individual, per incident, which also subject to $30,000 for each accident for bodily injury. That means that if there are three people in the car, and they are all hurt, they have to split the $30,000 three ways. But, if there is only one individual in the car, the most that person can get is $15,000.

The other limit they have in Nevada is the limit of $10,000 for property damage. All of them are two low: Cars these days are expensive to fix and you can do $10,000 damage easily.

I recommend, if you can afford it, at least $100,000 per person, and $300,000 per accident for everybody. You’d want property damage of more than $10,000, maybe $100,000, because unfortunately, if you hit an expensive vehicle like a Tesla, and you total it, and then you won’t have enough coverage and they’d come after you personally.

I also recommend getting medical payment coverage, commonly referred to as “Med Pay.” This type of insurance, often advised by experienced Reno car accident lawyer, will pay you no matter what for your car accident-related medical bills – your deductible, copays, etc., so you are not out of pocket anything. If you ever find yourself in a truck accident and need legal assistance, consider reaching out to a truck accident attorney for expert guidance.

Attorney Patrick Leverty

Attorney Patrick LevertyWith his master’s in insurance law, Patrick routinely helps individuals and businesses who are having issues with their insurance company. He also has extensive experience with personal injury actions, complex tort actions, product liability matters, and class actions. Patrick Leverty is rated AV by Martindale Hubbell (the highest rating) and has been granted membership in the Million Dollar Advocate Forum, and Multi-Million Dollar Advocate Forum. Patrick Leverty has been certified as a Personal Injury Specialist by the State Bar of Nevada. [ Attorney Bio ]