Auto Insurance
We offer a variety of coverage and companies for any driver. That’s right, ANY DRIVER in Reno, Sparks, Carson City and the rest of Nevada. We try our hardest to find CHEAPEST rates for new in state drivers, young drivers, drivers with tickets, drivers with accidents and drivers that need SR22’s. We also have cheap auto insurance rates for drivers with good driving records.
At Pronto Auto Insurance, we shop around and try to find you the absolute LOWEST insurance rates available. Also, you will receive PROFESSIONAL service from our trained professionals while receiving fast and reliable coverage for your new or pre-owned vehicle at a affordable insurance rates.
Nevada requires a minimum amount of liability insurance for every registered vehicle on public roads. Here are the State of Nevada Minimum Liability Requirements
$25,000
$50,000
$20,000
for all property damage in any one accident
Bodily Injury and Property Damage Liability
Bodily Injury and Property Damage Liability covers your legal liability for
a covered accident that involves injury to another person or damage to
someone’s property, up to the limit of liability you select.
If your limits are 25/50/20, this means:
Example: You are at fault for an accident, lets say your on the corner of Plumb and Kietzke in Reno and that you injured two people and damaged another vehicle. The other driver’s total medical bills were $5,000 and the other passenger’s total medical bills were $3,500.
The damage to the other vehicle was $5,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person’s injuries were less than $25,000, and the amount for all injuries was less than $50,000. The other vehicle’s damage also was below the $20,000 Property Damage Liability limit.
On the other hand, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, you are responsible for the remaining damage, which might put your personal assets at risk.
- No more than $25,000 would be paid per person for Bodily Injury
- No more than $50,000 would be paid per accident for Bodily Injury
- No more than $20,000 would be paid per accident for Property Damage
None of us think that we’re going to be in a accident…that’s why they call it a “accident” Talk to your Pronto Auto Insurance Agent about all your Liability limit options
Optional Coverage
Comprehensive and Collision
Comprehensive and Collision coverages pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault or where it happen. You could live in Reno and had a accident in Las Vegas. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
Uninsured/Underinsured Motorist
When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.
If your injury expenses exceed the at-fault party’s Liability limits, (and remember most people in Nevada including Reno and Sparks are carrying the lowest Liabitily limits you have get) you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person’s Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.
Example: A driver who has no insurance rear-ends your car while you’re sitting at a stop sign on the corner of McCarran and Prater in Sparks. You go to the doctor because your neck is hurting and your passenger is hurt as well. Your total medical bills equal $3000 and $5000 for your passenger. Your Uninsured Motorist limits are $25,000/$50,000, which means your injuries fall within these limits and you and your passengers medical bills will be covered.
Medical Payments
Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault and whether they are uninsured in Sparks or Carson City. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted. Refer to your policy for details.
Example: You sustain $2,000 in injuries from an accident in which you ran into a tree. You do not have any health insurance, which means you can use your MedPay coverage, up to the $1,000 limit you selected, for your injuries. You are responsible for the other $1,000 in medical bills.
Additional Optional Coverage
You can supplement your basic Nevada liability insurance with the following options for added financial protection:
- Rental Coverage
- Customized parts and equipment
- Auto loan/lease (or “gap”)
- Medical payments
- Towing and roadside assistance
Protecting you from loss, Pronto Auto Insurance can help Insure your RV, Boat, Motorcycle, Auto, Business Vehicle. We can also help you if your traveling to Mexico.
Here are some Nevada DMV links that might be of interest to some of you Residency and Proof of Identity, State of Nevada Instruction Permit, Insurance Policy Update, Verification Response, Insurance and Registration Status Inquiry, Registration Reinstatement.
If you want to do some research on your car you have or one you’re buying here in a link to the National Highway Traffic Safety Administration which you can find information on recalls and other safety information. If you need to find the value of your car the best place to that is here The National Automobile Dealer Association you can also get reviews on the auto your thinking of buying. They also cover Motorcycles, RV’s, Boats and Classic Cars. For other automotive news J.D.Power has some great automotive news that’s updated daily.
Looking to buy a car? Need to find out the monthly payment click this car loan calculator to figure your payment.
In the Las Vegas area our sister agency Express Auto Insurance can help you with any Insurance needs you might have. Phone number there is (702) 907-0000
Nevada Auto Insurance Facts
Nevada Required Auto Insurance Coverage’s
Starting July 1st 2018 All Nevada drivers are required to maintain liability insurance with at least the following limits:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $20,000 in property damage liability coverage per accident
Driving Without Car Insurance in Nevada
Drivers who fail to maintain car insurance in Nevada or have a lapses in liability insurance coverage will have to pay a fine.
1-30 day lapse = $250.00 fine, per vehicle
31-90 day lapse = $500.00 fine, per vehicle
91-180 day lapse = $750.00 fine per vehicle, along with a mandatory
SR22 filing for three (3) years
181+ day lapse = $1,250.00 fine per vehicle, along with a mandatory
SR22 filing for three (3) years
Uninsured Drivers in Nevada
The Insurance Research Council estimated that 12.2 percent of Nevada drivers were uninsured in 2012, which was on par with the national average of 12.6 percent.
Uninsured/underinsured motorist coverage offers financial protection against accidents with uninsured drivers, as well as hit-and-run incidents.