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Liability Coverage
As a parent, your number one priority is the well being of your own children. However, there are many different situations that you can run into that make you responsible for other people’s children. From birthday parties to car pools, many everyday situations can lead to you being financially and legally responsible for other children. Knowing what that means for your insurance policies can help to ensure that you have the right amount of coverage.
Keep these simple tips in mind to make sure that your insurance policies are providing the right amount of protection while you are watching other people’s children.
- Know your medical payments limits – the medical payments coverage that is provided by your auto insurance policy will provide coverage for any medical expenses that are associated with an accident. Your medical payments coverage will also provide coverage for anyone who is injured while riding in your car. Not having enough coverage can leave you liable for any injuries that are incurred during an accident.
- Check your liability coverage – almost half of all parents are not aware that their liability coverage will provide protection if someone is injured at their home. Look over your homeowners insurance policy to ensure that you have enough liability protection for any illnesses or injuries that occur at your home.
- Look into an umbrella insurance policy – umbrella policies will provide liability coverage that goes beyond the liability that is provided by your auto and homeowners insurance policies. Umbrella policies provide at least $1 million in coverage for around only $20 a month. The coverage that is provided by the policy will help to ensure that you are not financially devastated due to one single accident.
For all of your liability insurance coverage needs and to ensure that you are protected while in charge of other people’s children, contact All Nevada Insurance in Las Vegas, Nevada.
