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In Nevada, the vehicle owner's auto insurance can cover accident-related expenses, regardless of the driver. The policy can cover the car owner and borrower. This insurance rule has an exception. The car borrower must have had the owner's permission to drive the car.
If you cause an accident and don't have insurance, you're personally liable for 100 percent of the other party's damages. While an insurance company might have stepped in to pay the damages, you must pay the other driver out of pocket because you don't have insurance.
Collision coverage in Nevada covers all costs of repairing your vehicle that exceed your deductible, and not for any medical expenses. In the event that the costs of repairing your vehicle exceed its value, collision coverage will pay you the fair market value of the vehicle (less your deductible) instead.
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving.
Auto insurance after an at-fault collision in Nevada A serious accident like an at-fault crash will stay on your insurance record for up to three years.
The driver whose negligence caused a car accident is responsible for compensating all injured parties. However, a driver is responsible for his passengers after an accident only if his negligence caused the accident. In either case, if you suffered injuries as a passenger, we could help you seek compensation.
Car insurance usually follows the car in Nevada. The types of car insurance that follow the car in Nevada are bodily injury liability, personal injury liability, collision, and comprehensive.
Nevada law requires that you exchange insurance information with the other driver, even if you are not at fault. If you do not have insurance, you must provide the driver with sufficient information to contact you. REMEMBER: Even if you do not have insurance, you can still collect damages from the at-fault driver.
In these circumstances, representing both would present a conflict of interest. Where, as here, the passenger may raise a claim against her own driver, the representation of one client will be directly adverse to another.