Auto Insurance

How to Handle a Hit and Run Accident Without Losing Your Cool

Posted on by TheSph3r3
hit and run auto insurance las vegas nv

Are you the victim of a hit and run? Here’s how to handle the situation.

You always hope that there are no injuries in the event of a car accident. Even so, there are a lot of emotions that can exacerbate the situation. That’s why a hit and run accident can leave you feeling physically and emotionally debilitated. If the driver that hit you speeds off, learn what you can do to minimize further damage.

Do not chase after the vehicle. While it’s tempting to hunt down the driver that left you roadside, driving after him or her can be dangerous. It’s best left to the professionals to take care of that situation. If you’re able, note down any information about the vehicle and which direction it was heading.

Record eyewitness information. If there are any witnesses at the scene, or if there were other people in your car at the time of the accident, ask if they remember anything about the vehicle and situation. The more information that you can gather for the police, the better.

Gather information. Take pictures of the damage to your vehicle and record the date, time, location, and whole incident.

File a police report. The police need to have all of the information on record to assist in finding the guilty party in the car accident. Be honest with the investigating officers and if you’re not sure of any details, let them know. Furthermore, a police report will help you to file an insurance claim.

Contact your insurance agency. Let your insurer know that you’ve been involved in a hit and run accident. Information and the police report will help in compiling your claim together.

Uninsured/underinsured motorist coverage protects you against both financial and non-financial losses sustained as a result of an uninsured, underinsured, or hit-and-run driver. Does your auto insurance provide this basic coverage that protects you? Visit the professionals at All Nevada Insurance for your auto insurance coverage in Las Vegas and surrounding cities in Nevada.

Shopping for a Safe Car? Use These Tips

Posted on by TheSph3r3
Life Insurance Mistakes Las Vegas NV

A car can keep you safe for many years to come. Purchase the right one.

Whether you’re making the most of the end of year sales or buying a car for your new teen driver, you’re likely to shop around at dealerships. When a new car is on your wish list this festive season, you’ll want to keep safety in the forefront of your mind.

Not only do vehicles vary in size and color, but they also differ in safety! There are important safety differences, and some vehicles are more protective than others. Many automakers offer safety features beyond the required federal minimums.

Keep these signs in mind when shopping for a safe car!

  • Size – The laws of physics dictates that larger and heavier cars are safer. While Smart Cars (those tiny cars!) are great for island driving, they could be at risk of complete destruction if they were involved in a freeway crash with SUVs. However, bigger isn’t always better! Big cars guzzle more fuel, are inconvenient to drive, and tend to be more expensive than smaller cars. Aim for the size that you need – not what you want.
  • Performance – High-performance cars can tempt you to drive faster. Before buying your teenager a nifty sports car, you should consider the likelihood of them going above and beyond the speed limit.
  • Structure – Ask the dealer about a car’s safety cage. The crumple zone should be sufficient and the materials used shouldn’t be flexible or cheaply constructed. If the front and rear crush zones are inadequate, the likelihood of severe injuries increases rapidly.
  • Restraint systems – Belts, Airbags, and restraints all work together with a vehicle’s structure to protect passengers in serious crashes. In some cars, there will be a simple belt and passengers and driver airbags. More and more cars are now installing multi-way belts for added protection for children and babies, as well as side airbags. Look for the car with more added restraint systems!
  • Daytime running lights – By having low beam headlights on during the day, the visibility of the car is increased. In turn, a crash is less likely to happen to those with daytime running lights.
  • Anti-lock brakes – These prevent brake lock ups and allow you to keep the car in control!
  • Crashworthiness – See how cars faired up in crash ratings here.

The price of safety doesn’t have to come with a hefty price tag. Once you have secured the ideal, safe car for you and your family, receive a reliable and protective auto insurance policy! Contact the team at All Nevada Insurance in Las Vegas, Nevada for the coverage that you and your vehicle deserve.

Am I Covered If I Drive Someone Else’s Vehicle?

Posted on by TheSph3r3
Drive Another Vehicle Auto Insurance Las Vegas NV

Borrowing someone else’s car for the day? Know if you’re protected!

Occasionally, you may need to borrow your friend or neighbor’s car to run an errand, go to work, or soberly drive your tipsy friend home. Before getting into the driver’s seat, consider the impact of driving unprotected. You should know if you’re protected if you drive someone else’s vehicle.

Here are a few things to consider before you borrow a friend’s car!

How often do you use the vehicle? If you only borrow your friend’s car once a month, most likely your friend’s policy will cover you when you drive the vehicle. An auto policy will define who it covers. An “insured person” may include “any individual with respect to an accident arising out of that person’s use of a covered auto with the permission of you or a relative.” Under this definition, if someone else gives you permission to drive his vehicle, you’re covered by his insurance policy.

How long do you borrow the car? If you use the car for a day or two, it’s most likely not considered regular and frequent use. However, if you borrow the vehicle for several weeks, you may not be covered by his auto policy. If you are a regular driver of his car, you should consider adding yourself to your friend’s insurance policy!

What is the purpose of using the car? If you’re using the car to conduct business, like delivering pizza or hauling equipment for a landscaping business, you’ll need to make sure the vehicle is covered under a commercial auto insurance policy. Personal auto policies typically don’t cover anyone for conducting business with their vehicles!

Be sure to check what and who is covered before you drive someone else’s vehicle! Visit the professionals at All Nevada Insurance for the secure auto insurance coverage to suit you and your vehicle in Las Vegas, Nevada.

Warm Up Your Car Up for the Fall Season

Posted on by TheSph3r3
Fall Driving Auto Insurance Las Vegas NV

Car care tips to keep your vehicle purring through fall and winter.

The Nevada winter brings all sorts of weather. From rain, snow, sleet, and possible subzero temperatures, the desert can be a chilly place come the winter months. Because of this, it’s no surprise that leaving your car out in this weather can cause some serious damage and put it under strain. Not only are the roads that much more dangerous, but your vehicle will need a bit of TLC before the fall weather.

Complete these then tasks before the cold snap hits so that you have safe (and reliable) winter transport:

  1. Get the engine check for performance and drivability problems.
  2. Replace dirty filters such as air, fuel, and PVC.
  3. Add a bottle of fuel deicer in your tank once the temperature drops.
  4. Change your oil and oil filter.
  5. Check that the heater and defroster are in good working condition.
  6. Replace wiper blades to wipe away the fall rain.
  7. Have your battery checked! This is usually the first to suffer in the cooler weather.
  8. Inspect all lights and bulbs to ensure that they are clean and in working order.
  9. Examine tires for tread life, damage, and wear & tear. Consider purchasing a new pair to keep your grip on ice, snow, and wet roads.
  10. Always carry an emergency kit with you! The emergency kit should include a car repair kit, first aid kit, blankets, non-perishable food, plenty of water, flashlight, a hand-cranked radio, small change, and more emergency essentials!

If you have ever found yourself stranded because your battery died or hydroplaned from rain water, you’ll know how important it is to prepare your car for fall.

While you can prevent your vehicle from failing during autumn, ensure that you have the protection to see you through! Contact All Nevada Insurance for a customized auto insurance policy to suit your needs and budget in Las Vegas and neighboring cities in Nevada.

What to Do If You Put Wrong Fuel in Your Tank

Posted on by TheSph3r3
Wrong Fuel in Tank

Before you panic, here’s what to do when you put the wrong gas in your car.

It happens to the best of us. Perhaps you’re driving a car you’re not used to, or the pumps weren’t clearly marked at the petrol station, or you had a momentary lapse in concentration, putting the wrong fuel in your car is easy to do.

Once you’ve realized what you’ve done, whether at the pump or in a broken down car, here is exactly what to do before you begin to panic!

Don’t turn on your engine.

If you put diesel into a petrol car, the potential damage isn’t as severe, but it will still cause your engine to smoke a bit or run badly, so it’s best to get the diesel out as soon as possible. If your car normally runs on diesel, wrong petrol will act as a solvent, causing metal parts to grate against each other. Don’t turn on the engine if you can help it, and call a breakdown assistance service.

Calculate how much of the wrong fuel you’ve put in.

Although it’s usually best to drain all of the fuel from your tank when you use the wrong fuel pump, if you realize your mistake while you’re pumping, you may be able to get away with it. If the incorrect fuel takes up less than 10 percent of the tank capacity, you may be able to top up with the correct fuel and drive away. If you’re not sure, always get the entire tank drained.

Call for assistance.

This step is included in the above steps because it is so important! Calling your breakdown service to come and save the day is the best step to getting you back on the road as soon as possible. In addition, the reputable service means that you can prevent any further damage to your car.

Does your auto insurance in Las Vegas provide Roadside Assistance? Contact All Nevada Insurance, serving cities in Nevada, for the reliable car coverage that you need and deserve.

Do You Need Personal or Commercial Auto Insurance?

Posted on by TheSph3r3
Personal or Commercial Auto Insurance Las Vegas NV

How does personal and commercial auto insurance differ?

Buying car insurance can seem complicated, particularly when you’re not sure about the appropriate type of coverage for your needs. In general, you have two choices: personal and commercial auto coverage.

Personal Auto Coverage
These policies typically exclude any businesses uses. Personal auto coverage is designed for the needs of consumers, either as an individual or a family. If you’re in a car accident, this coverage can provide assistance with your vehicle repairs, other involved vehicles’ repairs, medical expenses, and liability charges.

Commercial Auto Coverage
Is driving a part of your business? If so, it’s important to prepare for a worst-case scenario when assessing your company’s ability to survive an unexpected event on the road. You can achieve the much-needed protection by obtaining a commercial auto insurance policy.

This coverage is designed for the needs of business that have several drivers and multiple cars. It works around the possibility that every employee within the company will drive the vehicles, so the liability protection is generally greater than the amount provided under a personal plan.

Additionally, commercial insurance can provide coverage for a number of drivers. Even if you only have ten employees that drive occasionally, you’ll still need commercial auto coverage!

Unless you’re starting a company and intend to use the vehicle for business purposes rather than personal needs, opt for personal coverage. When you’re buying commercial insurance, avoid making these common mistakes.

Are you ready to get started on the right plan for yourself or company? Contact the professionals at All Nevada Insurance, serving Las Vegas and surrounding cities of Nevada to select the right policy today.

Will Auto Insurance Cover My Car’s Modifications?

Posted on by TheSph3r3
Car Modifications Auto Insurance Las Vegas NV

From a custom paint job to adding a supercharger, modifications can complicate your car coverage. 

If you’re tempted to kit out your car with custom modification, you could face automobile insurance ramifications.

Modifying your vehicle can be a great way to personalize your vehicle, and even improve its performance. The downside to this, however, is that you run the risk of skyrocketing insurance rates!

Modifications a Standard Policy Won’t Cover
Vehicle modifications or customizations that are not made at the factory, as well as aftermarket parts, are typically excluded from standard policies. Always talk to your auto insurer before altering your car. If you were to make modifications to your vehicle, you would want to inform your insurance company if you want them adequately protected.

Risky Businesses
Auto insurance is based on risk, and car modifications increase the following risks:

  • Accident – Modifications that alter the look or performance of your vehicle are often considered risky to auto insurers. From engine changes, sports seats, to spoilers, all of these can increase your insurance premium as you’ve potentially added more risk.
  • Theft – Modifications such as phone kits, stereo systems, and performance updates also increase the chance that your car gets broken into or stolen.

Available Coverage
A standard policy may not cover your new vehicle, but there are a couple of options to get the right level of protection for your cool car:

  • Supplement coverage – Many insurers offer endorsements that provide supplement coverage for modifications and aftermarket components.
  • Collectible car insurance – If the insurer doesn’t offer this type of endorsement or the coverage limits are inadequate to protect your investment, you can seek coverage from a carrier that specializes in insuring classic automobiles.

If you have a modified vehicle or are thinking of adding a few cool updates to your car, call your insurer for coverage options! Skip the search of finding the best car insurance for you – contact the local professionals directly! Call the insurers at All Nevada Insurance to get started on your auto insurance policy today

Car Insurance vs. Car Warranty

Posted on by TheSph3r3
Car Insurance or Warranty Las Vegas NV

Find out the difference between a car insurance and car warranty.

For every motorist, it’s important to understand the different types of coverage for cars so that you’ll know what kind of protection you need. It’s better to be aware of the coverage that you need than be unpleasantly surprised later because you misunderstood what security you have!

Both car warranties and auto insurance pay for vehicle repairs, but it’s important to understand the distinction in order to avoid making a bad purchase!

A car insurance policy repairs your vehicle if it’s damaged in a collision or by some other covered peril, such as theft, fire, or a natural disaster. It also covers:

  • Liability coverage – May help to pay for someone else’s medical bills or damage to their property by an accident at which you were at fault.
  • Collision coverage – Repairs or replaces your car if it’s damaged in a crash with another vehicle or object, regardless of fault.
  • Comprehensive coverage – Repairs for damage to your vehicle caused by things other than a collision, such as fire, theft, vandalism, or falling objects.
  • Medical payments coverage – Covers medical expenses for you and your passengers in the event of an accident.
  • Uninsured motorist coverage – If a driver hits you with no or too little insurance, this coverage aids your car repair expenses.

A new car warranty is the vehicle manufacturer’s promise to help pay for replacement parts or covered repairs during your specified warranty period. This warranty comes with your vehicle, but the dealership may offer you an extended warranty so that your car is covered for more years to come. Depending on the policy, you may find that some items that commonly wear out, such as wiper blades, tires, and brake pads) aren’t covered.

Even with the most protective policy isn’t a license to stop taking care of your car. To fully protect your journey on the roads, contact All Nevada Insurance to learn more about how auto insurance can protect you in Las Vegas, Nevada.

Driving to Your Summer Vacay? Prep Your Car!

Posted on by TheSph3r3
Road Trip & Auto Insurance Las Vegas NV

With the summer upon us, plenty of vacationers are driving to their holiday destination.

This summer, there will be many motorists on the road. With gas prices leveling off, many are opting to drive to their beach holiday or resort vacation. Whether you’re traveling long distances, or just a few hundred miles to spend some quality time with the family, you’re going to need to prep your car before you set off.

Here’s how to best give your car some TLC before the long journey!

Get any major repairs done. If your vehicle needs any repairs, do this at least one month before you hit the road on your haul. That will allow time for any problems related to the repair to pop up – and get sorted!

Check the coolant. If your destination is a lot warmer (or cooler!) than home, make sure that the coolant’s mixture of antifreeze and water is correct.

Check the tires. Make sure that your tires are inflated to the proper pressure, as this will keep them running longer and will help your fuel efficiency. Scan your tires for any wear, tear, or bald spots that may become an issue later on down the road (literally).

Fill up the fluids. Get a mechanic to look over your fluid levels to make sure that they’re all where they need to be.

Check the air filter. A clogged air filter reduces fuel economy as it makes the engine work harder. They’re easy to change, so now is a good time to do so!

Buy a road atlas. Hours and hours of straight freeways can get boring. Getting off the beaten path can add an entirely new dimension to your trip.

Pack your emergency kit. From a first aid kit to blankets, flashlights, and water – make sure that you have it all in your car.

Review your car insurance. Check that your auto coverage will protect you if you face a hurdle on the road. Also, consider getting roadside assistance from your insurer so that if you break down in the middle of nowhere, you’ll have a reliable source of help!

At All Nevada Insurance, we work with you to secure auto insurance tailored to meet your needs and budget. Contact us today for the right policies in Las Vegas, Nevada!

Here Are 3 Ways to Save on Your Motorcycle Insurance Policy

Posted on by TheSph3r3
Save on Motorcycle Insurance

Steer your way to success with an affordable motorcycle policy!

You caught the fever and finally decided to buy your very own bike and learn how to ride. While motorcycle riding can be a fun (and thrilling!) recreational activity, you always want to be sure that you remain safe at all times.

While every motorcycle driver will have the best insurance policy in place, there may be a chance that you’re overspending on your premiums.

Make and Model Matter

Just like with your car insurance, the type of vehicle that you insure has a significant impact on your insurance premiums. First, the more expensive a bike is to repair or replace, the higher your insurance premium will be since any claim on that motorcycle will cost more than average. Second, the frequency of theft for the type of bike will affect your coverage costs. If you have the highest-end bike, you’re more likely to file a theft claim.

Experience Counts

Newer riders that are fresh off the training course should expect to pay higher premiums than someone with more years of motorcycle driving experience. You can help to minimize this cost by taking a motorcycle safety course. Training sessions not only mean that you become a safer driver, but your insurer could offer a sizeable discount with this qualification.

Drive Less

The more mileage you put on your bike, the higher the premiums tend to be. No matter how safe a rider you are, if you’re on your bike all day every day, your chances of being involved in an accident increase. For those who only use their bikes on the weekend and have a lower annual mileage, be sure to inform your insurance agent.

Check out how you can save on your motorcycle insurance premiums by contacting the professionals at All Nevada Insurance, serving Las Vegas, Nevada!