Author: All Nevada Insurance

How Motorcycle Insurance Works

Posted on by All Nevada Insurance

Every motorcyclist loves their bike, but that bike also means a lot of risks. To protect against several financial threats, there is motorcycle insurance. If you have a motorcycle and it isn’t insured, contact us today at All Nevada Insurance Inc in Las Vegas, NV.

Liability Insurance for Motorcycles

Motorcycle insurance includes several different coverage types in one policy. This insurance has to have the policy’s bodily injury and property damage liability coverage. If an accident were determined to be your fault, these coverage types would help pay for the medical bills caused to third parties in an accident and the cost of damage to the vehicle. When you have liability coverage for your motorcycle, you don’t have to be sued for the money to pay for those expenses. The policy pays them for you. Having liability coverage is highly important to keep you from huge bills for medical expenses and property repairs. 

Other Types of Coverage

Many other coverage types are useful for riders, even if the law doesn’t require them. Collision insurance is one of these types. It pays for the damage done to your bike to have your bike repaired or replaced. Another type, comprehensive coverage, is also beneficial for riders. It pays for several different incidents that can happen to your motorcycle when it isn’t on the road. These two types of coverage are recommended for every motorcycle operator. 

Cover Your Motorcycle

To protect yourself financially, you need to have a motorcycle policy. It keeps you well-protected against many risks that can cause you financial ruin. If you have a motorcycle and need this coverage, call us at All Nevada Insurance Inc. in Las Vegas, NV.

Protect your classic car with the right insurance

Posted on by All Nevada Insurance

All Nevada Insurance Inc. is proud to be a resource for the many classic car owners in the greater Las Vegas, NV community. If you have questions about finding the right insurance, give us a call today and let us help!

Finding the right insurance policy to protect your classic car 

There are many reasons why classic cars require different insurance policies than standard vehicles. Because they are antiques, they can become more valuable due to scarcity. Damage is a lot more complex to repair, and finding parts can be challenging. For all these reasons and more, when it comes to insuring your beloved classic car.

When you are selecting your policy, be sure to review all of the available options and features. Finding the right insurance policy is much easier when working with a local agent. They can help you determine the policy features that are most necessary for your particular situation, and they can also assist when it comes to calculating how much coverage you need.

Classic cars often require a significant financial investment to acquire and maintain. Because of this, it only makes sense to protect your asset! Now is a perfect time to look at the available policy options and determine which type is appropriate for your unique situation. We can help you insure your vehicle with the right policy at the right level. 

Give us a call today!

Las Vegas, NV classic car owners can rely on All Nevada Insurance Inc. for their insurance needs. Whether you are a longtime owner or are just thinking about getting into the can, we are here to help. Please stop by our office, or give us a call today!

How To Make The Most of Your Rec Vehicles

Posted on by All Nevada Insurance

Recreation vehicles are a great way to get outdoors and spend time with friends and family. To make the most of your rec vehicles, you need solid rec insurance in place. At All Nevada Insurance Inc, serving Las Vegas, NV, and the surrounding areas, we can help you better understand this type of coverage. Keep reading to learn more. 

What Is Rec Insurance?

Rec insurance or recreational insurance is a type of insurance policy designed to provide insurance coverage for recreational vehicles. In most cases, recreational vehicles will be defined as RVs, campers, boats, jet skis, ATVs, snowmobiles, dirtbikes, and others. 

Do I Need Rec Insurance?

Some places will allow you to operate rec vehicles without insurance coverage. However, just because it is not required by law does not mean you don’t need this vital type of coverage. You have invested in your rec vehicles. If they are damaged or lost due to fire, natural disaster, or burglary, it will be your responsibility to pay for repairs or replacement. 

If someone is injured by your rec vehicles, you will be held liable for their medical expenses and any legal fees that might result if they choose to file legal action against you. This could leave you financially vulnerable. 

What Does Rec Insurance Cover?

In most cases, rec insurance will provide coverage in the following categories:

  • Collision– If your vehicle is damaged, it will pay for repairs.
  • Comprehensive– If your car causes damage to someone else’s property, it will pay for repairs.
  • Liability– If someone is injured because of your vehicle, it will pay for any expenses resulting from the event. 

If you would like to learn more about rec insurance or any of our other products, please contact us at All Nevada Insurance Inc, serving Las Vegas, NV, and the surrounding areas. 

Do I Need RV Insurance All Year Through?

Posted on by All Nevada Insurance

If you are one of the Americans who want to explore the abundant natural wonders of our country, using a recreational vehicle is an excellent option —and you need RV insurance all year round. But if you use your RV seasonally, you may wonder whether you should keep your RV insurance all year through? After all, isn’t this unnecessary and expensive? The answer from All Nevada Insurance Inc. of Las Vegas, NV is that you need RV insurance throughout the year for the reasons below:

Risks don’t have an off-season

You may have parked your RV in a secure location, but it’s still vulnerable to risks. While your RV is off the hook from accident-related threats, it isn’t safe from dangers like fire, theft, vandalism, and natural disasters.

It may be off-season, but whether you have stored your RV in the driveway or storage facility, damages and losses can still happen, and that’s why you need to keep your RV insurance running.

It may be required

If a federal-regulated lender has financed your RV purchase, you don’t have a choice about maintaining RV insurance all year through. Your lender will likely insist that you keep your RV insurance throughout to protect the investment in case anything happens to it before you pay back your loan entirely.

Don’t cancel your RV insurance

When you think about it, canceling your RV insurance may be more costly than paying the premiums when not using your vehicle. You may regret why you didn’t renew your policy when you discover one risk is enough to cost you thousands of dollars, wiping off all the savings made by canceling your policy.

Need RV Insurance in Las Vegas, NV? Please talk to All Nevada Insurance Inc. We will take you through the various RV insurance options and the importance of maintaining your insurance all year through.

4 Tips for Improving Your Safety While Riding a Motorcycle

Posted on by All Nevada Insurance

Regardless of whether you are new to riding a motorcycle or you have been riding for years out on the beautiful open road, your main priority should always be to stay safe. Apart from having a motorcycle insurance policy from an insurance agency like All Nevada Insurance Inc., Las Vegas, NV motorcyclists should learn to be as proactive as possible to prevent accidents and related injuries.

Perform a Pre-Ride Inspection

Before going out for a ride, you should inspect your bike. Make sure the tire pressure levels are on-point, the brakes are working as they should, the headlights are properly working, and the oil levels are good. This will prevent the risk of a breakdown as well as a bike problem-related accident.

Wear the Appropriate Gear

One of the best ways to protect yourself against head injuries while on your bike is to wear a helmet. All states don’t require helmets while riding, but they are definitely worth wearing. You should also wear a pair of bike goggles to protect your eyes from glare, dust, and debris. Nonskid waterproof boots are a good idea as well since they offer an enhanced grip on the bike pedals.

Purchase Motorcycle Insurance

In the majority of states, state-minimum motorcycle insurance is required or motorcyclists can face suspension of their license or hefty fines. Usually, the bare minimum is liability coverage, which covers expenses related to property damage as well as bodily injuries for other involved parties for at-fault accidents. Additional coverage, such as for uninsured motorcyclists, is also wise.

Enroll in a Motorcycle Safety Course

To ensure you are on top of everything, enrolling in a motorcycle safety course every now and then is a good idea. This is particularly true for new riders, as it will teach you how to handle the bike and all of its components, how to ride in various weather conditions/terrains, and much more. If you take it and pass it, let your insurer know in case it qualifies you for a discount!

Speak to the agents at All Nevada Insurance Inc. to help identify the extent of motorcycle insurance coverage you need in Las Vegas, NV.

Nevada Classic Car Insurance – What Constitutes a Classic Car?

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You see the words “classic car” get thrown around a lot in the media these days.  You sometimes see it in print and visual advertisements and especially car descriptions for those trying to sell it.  But what exactly makes a car, a “classic” car?  At least in the eyes of the insurance industry?  This question will be addressed below as well as others.  If you happen to be in the market for classic car insurance, All Nevada Insurance Inc. in Las Vegas, NV can help you and your insurance needs.

Classic Cars

In the state of Nevada, for a vehicle to be considered a classic car, the vehicle must be at least 20 years old.  Also, the vehicle can not be older than 40 years old, as that would change the status of the vehicle from “classic” to “antique”.  To illustrate this in the simplest terms, in 2022, any vehicle from 1982-2002 would be considered a classic car.  But, there’s also a catch in this classic car classification and that is down to modifications which we’ll cover in the next paragraph

Original

The classic car should have NO modifications to speak of, the car should be stock and have everything that came with the car when it rolled off of the assembly line.  You’ll see the words “numbers match” in many advertisements of those selling classic cars, that’s exactly what that term means, the part numbers match the original stock parts that came with the car.  Aftermarket parts, modern accouterments (mp3 CD players, engine modifications, etc.), and other changes would revoke the car’s “classic” or “antique” status.

More Information

You can find out more information about classic car insurance by contacting All Nevada Insurance Inc. in Las Vegas, NV today!

Keep your ATV protected with insurance

Posted on by All Nevada Insurance

All Nevada Insurance Inc. understands just how much fun ATVs can be! Our clients in the greater Las Vegas, NV area are lucky to live in an area where we get to enjoy the great outdoors on our ATVs and other recreational vehicles. 

Why ATV insurance is important

A lot of people may opt not to get ATV insurance because they mainly ride on private roads and properties. While you may not take your vehicle out on the road, there is still a need for insurance coverage. 

If you are riding on private property and experience an accident, your ATV insurance may help to defray some of the costs of repair or replacement. It can also protect you in the event of an accident where you or your passenger sustains injuries that require medical attention. 

In such circumstances, the fact that you are on private roads or land will not offset the financial impact that such an accident may have. Won’t you enjoy your ATV, even more, when you know that both you and your vehicle are protected? A comprehensive plan can also come into effect to protect you in the event that your recreational vehicle is lost, damaged, or stolen. 

You owe it to yourself to find out more about the ATV policies that are available and how they can protect you and your vehicle. 

Enjoy your ATV knowing you have the protection you need!

All Nevada Insurance Inc. in Las Vegas, NV can help you determine which ATV policy works well with your needs. Don’t forget to put ATV insurance on the top of your to-do list! Come by our office or give us a call to find out more. 

Risks Of Not Having RV Insurance

Posted on by All Nevada Insurance

RV insurance is a type of insurance that covers a recreational vehicle against various hazards. It is designed for different types of RVs, including motorhomes, camper vans, travel trailers, recreational vehicles, converted buses, and luxury coaches. 

Just like auto insurance in most states, RV insurance is mandatory. Therefore, if you are planning to buy an  RV, make sure you plan to budget some money for RV insurance. If you do not want to get this type of insurance and want to skip it, you should be aware of the certain threats of not having it. 

Threats of Not Having RV Insurance

Those owners of recreational vehicles who prefer not to have RV insurance may face the following risks:

  • They will not be financially prepared for accidents and emergencies that can happen to them and their RV off the road. 
  • If they are involved in a road accident that causes physical injuries, they will have to cover all medical expenses themselves. 
  • Without proper RV insurance, they are not protected from lawsuits and claims, as well as accident liabilities. 
  • In case of complete damage or loss, they will not get a replacement fee for their vehicle
  • If people live in their RV, and it is considered their permanent home, they are not protected from non-collision damages, fire, or theft without RV insurance. 

All Nevada Insurance Inc. in Las Vegas, NV – One Call, Your Rates Fall

If you are a lucky owner of a recreational vehicle, you should consider getting RV insurance to protect yourself and your vehicle. If you live in Las Vegas, NV or any other nearby area in Nevada, All Nevada Insurance Inc. is ready to help you find an insurance policy you need. Do not hesitate to contact us today to find out about insurance options and rates. 

Motorcycle Insurance Coverage Options in Nevada

Posted on by All Nevada Insurance

Heading out on the highway with the wind blowing in your hair is an amazing feeling that you get when riding a motorcycle but it can also be dangerous. In the state of Nevada, many of the motorcycle accidents that occur result in injuries sustained by the riders or others who are involved. For that reason, even though it is not required in Nevada, you should have at least a liability motorcycle insurance policy in place.

There are also other options for motorcycle insurance coverage and the staff at All Nevada Insurance Inc. in Las Vegas, NV understand the importance of each of them.

With a large majority of motorcycle accidents in Nevada resulting in injury, it’s important to review your motorcycle insurance and make sure it provides the protection you need and want.

Uninsured/Underinsured Motorists

This type of coverage will pay for your medical costs if an uninsured or underinsured driver causes an accident. It will also cover your passenger if you have one on your bike at the time of the accident.

Comprehensive and Collison Motorcycle Insurance

This type of coverage will pay for any damages to your motorcycle due to a natural disaster, a fire, or an act of vandalism. This insurance will also replace your bike if it is stolen. Collision insurance will help pay for damages to your bike if you collide with another vehicle or some sort of object. If you obtained a loan to purchase your motorcycle, these two types of coverage may be required by your lender.

To obtain a quote and get your motorcycle insurance policy started, contact the experienced and trusted insurance agents at All Nevada Insurance Inc. in Las Vegas, NV. Call for an appointment or quote today!

How to determine whether your car is a classic or not

Posted on by All Nevada Insurance

For many people in Las Vegas, NV classic car is a special, rare, expensive, and unique car. However, many car experts and insurance companies define classic car insurance based on age. Most insurance companies look at various car characteristics to check whether it qualifies to be a classic or not. If you have an old vehicle that you think is worth being classic, learn how All Nevada Insurance Inc. qualifies classic cars. 

All about age

The simplest definition of a classic car is ‘old.’ Most states typically mandate that classic cars be older than 20 years but not above 40 years. The car must keep its original shape, both interior, and exterior, to qualify as a classic car.  That also means no modern touches should be added; For example, you cannot add a built-in GPS or MP3 player. 

Test of time 

Classic cars have to earn their name by remaining in good condition throughout those years. Remember, classic cars only qualify to be classic if they’re older than 20 years and have not been modified in any way. Your insurance agency in Las Vegas NV will also need to look at the engine, mileage, and body to ensure that nothing has been replaced, including the color. 

Value

The main difference between classic cars and modern cars is the value. While they can be costly to buy, classic cars can be cheaper to insure as they appreciate in value. Modern cars depreciate in value which makes them expensive to insure. In most cases, you will need to agree on the car’s value and keep updating the policy based on these values. 

 Thinking about classic car insurance? Let All Nevada Insurance Inc help you find a unique policy just for you. Feel free to call or book an appointment, and we will be happy to help.