If you own a car in Nevada, you’re required by law to carry a minimum amount of auto insurance. These requirements are in place to help cover costs if you cause a crash that injures someone else or damages their property. But while these minimums are a starting point, many drivers find that they don’t offer enough protection in real-world situations.
Nevada’s Auto Insurance Minimums
As of July 2018, Nevada drivers must carry:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
- $20,000 for property damage per accident
These amounts are often referred to as 25/50/20 coverage. That means your insurance will pay up to $25,000 for one person’s injuries, up to $50,000 total if more than one person is hurt, and up to $20,000 for any property damage you cause.
Before July 2018, Nevada’s minimums were lower—only 15/30/10. Lawmakers increased the limits to better reflect the rising cost of medical care and repairs.
The Risk of Carrying Just the Minimum
Minimum coverage may keep you legal, but it may not keep you protected. Take a common scenario: you cause a crash that injures two people. One has $30,000 in medical bills, and the other has $20,000. Your policy only covers $25,000 per person and $50,000 total, so while it may cover those medical bills in this case, things get tight fast.
Now imagine one person racks up $75,000 in hospital bills. Your policy pays $25,000, but you’re on the hook for the remaining $50,000. If you can’t pay out of pocket, the other driver might sue you personally. That could lead to wage garnishment, liens on your home, or other financial trouble.
Property damage can also get expensive. Today’s cars, especially luxury or electric vehicles, are costly to repair or replace. A $20,000 property damage limit might not go far after a serious accident.
Why Many Drivers Choose Higher Limits
Because of the risk of being underinsured, many drivers choose to carry more than the state minimum. A common upgrade is 100/300/50 coverage, which gives you $100,000 per person, $300,000 per accident for injuries, and $50,000 for property damage.
While higher limits increase your premium, the added protection can be worth it—especially if you own a home or have savings that could be taken if you’re sued after a crash. Some insurance companies offer relatively low-cost upgrades, especially when bundled with other types of coverage.
Other Coverage You Might Consider
Nevada law doesn’t require these types of coverage, but many drivers choose to add them:
Uninsured and Underinsured Motorist (UM/UIM)
Even though insurance is required by law, about 10–15% of Nevada drivers don’t have any coverage. If one of them hits you and causes serious injuries, you could be left with big bills and no one to pay them. UM/UIM coverage helps fill that gap by covering your medical costs when the other driver can’t.
Let’s say you’re hit by an uninsured driver and suffer $100,000 in damages. If you have a UM policy with a $100,000 limit, it can help cover those costs—even if the other driver has nothing.
Medical Payments Coverage (MedPay)
This optional add-on helps cover your medical expenses no matter who caused the crash. It can pay for hospital visits, X-rays, or even ambulance rides. MedPay is often affordable and can act as a safety net for unexpected costs, especially if your health insurance has a high deductible.
The Penalty for Driving Without Insurance
Nevada requires drivers to show proof of insurance when registering their vehicle and at traffic stops. If you’re caught without coverage, you could face fines, license suspension, and registration penalties. That’s why it’s important to keep your policy active and up to date.
Some insurance companies offer apps or websites where you can easily check your coverage and download proof. The Nevada DMV also monitors insurance electronically, so a lapse could trigger automatic penalties—even if you haven’t been pulled over.
Think About More Than Just the Minimum
Meeting the legal minimums is one thing. Being financially protected is another. Medical costs, lost wages, and vehicle damage can pile up fast after a crash. A small increase in your monthly premium could save you thousands in out-of-pocket costs later.
Consider your income, assets, driving habits, and budget. You may want more protection if you regularly drive in heavy traffic or have a long commute. If your car is newer or financed, your lender may require collision and comprehensive coverage.
Talk to a Lawyer After a Serious Crash
If you’ve been in a car accident and the costs are higher than what your insurance or the other driver’s insurance will cover, speaking with a lawyer can help. An attorney can review your case, deal with the insurance companies, and explain your legal options.
Call for Help Understanding Your Rights
If you’ve been hurt in a car accident or need help dealing with insurance, don’t wait. Speak with an experienced auto accident attorney in Las Vegas who can guide you through your options and protect your interests. Call (702) 970-4222 today to schedule a free consultation.
