Are Motorcycle Owners in Las Vegas Always Obligated to Get Motorcycle Coverage?

When you are in the Las Vegas, NV area and want to find a new mode of transportation, investing in a motorcycle can be a good option. Those that have motorcycles will be able to enjoy the warm weather and sun that is frequent in this area of the state. While you can have a lot of fun on your own motorcycle here, it is also important that you have insurance. There are a few reasons why the typical owner here will be obligated to carry this insurance.

Insurance Gives Liability Protection

A key reason that you will need to carry motorcycle insurance is that it will offer you liability protection. If you are going to operate a motorcycle, you will want to know that you have support to cover damages in an accident. With liability insurance, you will have this support. Additionally, drivers in this state are required by law to carry liability coverage at all times.

Lenders Require Coverage

You may also be required to get motorcycle insurance so you can comply with lender requirements. A lot of motorcycle operators will take out a loan when they buy their motorcycle. If you do have a loan outstanding, the lender will require that you carry collision and comprehensive protection at all times until you have paid off the full loan balance. 

If you are going to get a motorcycle in the Las Vegas, NV area, having the right insurance continues to be a necessity. As you are looking for a plan here, you should speak with the team at All Nevada Insurance Inc. There continue to be many great reasons to get this insurance coverage and All Nevada Insurance Inc. can help you choose a plan that is ideal for your situation. 

Classic Car Insurance Options in Nevada

A classic car is not just any car, it is an older model that has been restored and meets certain requirements. In the state of Nevada, to be considered a classic car, the vehicle must have been manufactured at least 20 years before the date in which you apply to obtain a classic car designation. You can apply for classic car insurance for your vehicle if it is considered a hot rod, a vintage military vehicle, a luxury or exotic car, an antique car or truck, or a muscle car. The insurance agents at All Nevada Insurance Inc. in Las Vegas, NV can assist you in determining the needs of your classic car.

While most people know that the value of other vehicles decreases pretty much as soon as you drive it off the car lot, that is not the case with classic cars because they actually increase in value over time and as you do more restoration on them. Your classic car insurance agent will face the amount of insurance on the actual cash value of your vehicle since it will change over time.

Coverage Options

Classic car insurance provides the minimum liability coverage that is required by the state of Nevada for all drivers, so you can drive it to an event or car show. It will also cover your vehicle through a more comprehensive policy that will help to repair or replace it if the classic car is damaged due to some sort of event, such as a fire or vandalism. It will also cover your classic car if it is damaged or destroyed by a natural disaster or if it is stolen. Classic cars are not meant to be driven on the road for everyday purposes but only to special events.

To obtain an insurance policy for your classic car, contact the classic car insurance agents at All Nevada Insurance Inc. in Las Vegas, NV to assist you. Call today for an appointment to get your policy started.

Why Get Recreational Insurance?

Individuals who own campers and other off-road vehicles in Las Vegas, NV tend to shy away from recreational insurance. They feel that they do not necessarily need the coverage, and instead, they opt for auto and homeowners insurance to protect their recreational vehicles.

Recreational insurance can be a bit complex, but it does not have to be with the assurance of All Nevada Insurance Inc. We are experts, and we will take you through the requirements and help you select the best coverage to suit your needs.

Do You Need Recreational Insurance?

Recreational insurance requirements vary from one state to the other. However, you are required to have liability coverage if your recreational vehicle is a motorhome. You may also need it if you wish to lease or finance the car.

If you have a class A or B RV, you must have minimum liability insurance. If your car is towed behind an SUV or track, having liability coverage is optional.

Can You Attach Your RV to Home or Auto Insurance?

You can include your RV in your auto or home insurance policy. Nonetheless, the idea comes with some drawbacks. For example, if you attach your RV to your home policy, the vehicle will not be protected while on the highway. The RV will not be eligible for insurance coverage through home insurance if you wish to take off for interstate trips.

Homeowner’s insurance will only cover your RV if an accident happens on your property.

A recreational coverage plan attached to your auto insurance may cover;

  • Bodily injuries
  • Medical payments
  • Property damage
  • Personal injury coverage

The standard auto insurance does not include recreational liability coverage, which is a requirement before getting on the road.

Contact Us for Recreational Insurance Quote

Our insurance professionals at All Nevada Insurance Inc. understand recreational insurance requirements in Las Vegas, NV, better than you do. Contact us for guidance and let them help you choose a policy that will meet our needs.

Do I need RV insurance in Las Vegas?

When you are in the Las Vegas, NV area you are going to have immediate access to a lot of exciting recreational options in the great outdoors. If you want to be able to see the sights and also have a comfortable place to relax when you are not on the road, getting your own RV can be a great option. Those that do buy an RV will need to get proper insurance for it. There are a few reasons why you will need to get this. 

Insurance Protects You and Your RV

A key reason that people should get an RV insurance plan is that it is a great way to protect yourself and your RV. When you drive an RV there is a chance that you could cause damage in an accident. Not only will you have to pay to repair your own RV but you will need to cover damages incurred by the other party. With a full RV insurance plan, you are able to offset this risk.

Insurance is Required

You will also want to get an RV insurance plan as it is required. Many people will be required to get RV insurance if they have taken out a loan to buy the RV. Further, to drive your RV legally in Nevada, you need to have an appropriate liability insurance plan in place. With a full RV insurance plan, you will know that you are covered.

If you would like to get RV insurance in the Las Vegas, NV area, it would be wise to call All Nevada Insurance Inc. When you do call All Nevada Insurance Inc. you can learn a lot about your different options. The team here can help you build a plan that will work for you and your situation.

Why should I get a motorcycle insurance policy?

People that live in the Las Vegas, NV area may dream of cruising down Las Vegas Boulevard on their very own motorcycle. If you do want to own a motorcycle here, it is important that you spend time thinking about your insurance needs. There are a variety of reasons that someone here should get a proper insurance policy.

Insurance is Required

A reason that a lot of people should get a motorcycle insurance plan is that coverage is required. When you want to use your motorcycle anywhere in the city limits, you are going to be obligated by law to carry a liability motorcycle insurance policy. Further, if you have a loan outstanding, your lender is going to require that you maintain full coverage at all times. By getting proper motorcycle insurance coverage, you will stay in proper compliance. 

Insurance Offers Peace of Mind

You should also get motorcycle insurance because it will provide you with peace of mind. There is always going to be a risk that you could cause damage in an accident or incur a loss if your motorcycle is damaged or stolen. Without a proper motorcycle insurance policy, this risk could be on the back of your mind at all times. Fortunately, when you get a proper insurance plan, you will know that you are covered. This will help you relax and simply enjoy your motorcycle. 

Picking the right motorcycle insurance policy in the Las Vegas, NV area is very important. When you are shopping for insurance here, it would be a good idea for you to call All Nevada Insurance Inc. The insurance professional with All Nevada Insurance Inc. understanda the unique needs that owners have. They can then help you build a policy that gives this appropriate protection. 

Does My Classic Car Need Special Insurance?

Classic cars or hobby cars are not only a fun, exciting way to spend your time, but they can also be a great financial investment. Classic car enthusiasts are delighted with the added value which their hard work brings to a classic vehicle. However, with this added value comes a need for added protection. At All Nevada Insurance Inc, serving Las Vegas, NV, we know that in order to make good insurance decisions, you need good information. Keep reading to find out what you need to know about classic car insurance. 

Is Traditional Auto Insurance Good Enough For My Classic Car?

The answer is yes and no. Traditional insurance will cover your classic car and will enable you to legally operate your vehicle on the open road. The problem with traditional auto insurance, though, is that the system which is used to value a vehicle is not appropriate for a classic car. Traditional auto insurance values a vehicle based on its make, model, and condition. The value of a classic car is determined based on other factors. 

This means that you will not be able to get a traditional auto insurance policy that will cover the true value of your vehicle. 

What Does Classic Vehicle Insurance Cover?

An insurance policy for a classic vehicle will provide many of the same types of coverage as a traditional auto policy, however, your insurance representative will sit down with you to determine the value of the car. This is a crucial aspect of your insurance policy. In order to get the best protection, it is necessary to have an accurate value on the car. 

If you would like to learn more about classic car insurance, please contact our office at All Nevada Insurance Inc, serving Las Vegas, NV. We will be happy to answer your questions today. 

A Short Guide to Recreational Insurance

Do you own an RV, ATV, camper, or other off-road vehicles in Las Vegas NV? If not, are you thinking about getting one of these recreational toys? If so, you’ll need recreational insurance, but you may be asking yourself what that is and what it covers. Read on to learn more about this type of policy, put together by All Nevada Insurance Inc.  

There is some confusion around recreational insurance, but let’s clear that up now. Recreational insurance covers just that – those vehicles you use for recreation but can be insured through an existing auto or homeowner’s policy. 

Recreational Insurance through an Auto Policy

Purchasing a recreational insurance policy through your auto insurance is an easy way to secure a policy. This plan covers any physical damage to your ATV, RV, or other recreational vehicles. It will also pay for the worth of the vehicle if it should become lost or stolen. To cover other costs, like vandalism and damage caused by mother nature, you can opt for full coverage. If an accident were to occur, this policy would cover bodily injury, personal injury, and medical payments as well. 

Recreational Insurance through a Homeowner’s Policy

In general, you can purchase a recreational policy through your homeowner’s insurance when the vehicle, such as a camper, does not go on the public highway. This excludes any campers you take on road trips. Furthermore, this insurance plan covers general liability and medical bills and works similarly to any homeowner’s insurance policy where you would need to pay your premiums and file a claim if there is one. 

To learn more about purchasing a recreational insurance policy in Las Vegas, NV, contact the team at All Nevada Insurance Inc. Our friendly agents are standing by to help you find the best policy for a price you can afford. 

Should I Buy Extra Insurance if I Rent an RV?

Renting an RV is a great way to spend your vacation. When you rent an RV, you have the option to purchase additional insurance, over and above what the rental agency already has on the vehicle. The limits of their policy only extend to the RV itself and any damage that it may receive while it is in your possession. In Las Vegas, NV, the agents of All Nevada Insurance Inc, can provide you with the additional RV coverage you’re looking for.

Protect Your Personal Possessions

Purchasing your own insurance will pick up where the RV rental insurance leaves off. The extra coverage will extend to your personal possessions, providing compensation if your items are damaged, lost, or stolen. This will include any additional camping equipment you may take with you.

Liability Protection

Liability coverage from the rental agency only covers injuries that are caused by defects of flaws in the RV. Purchasing additional liability protection will cover the injuries that may be caused while they are visiting the RV or your campsite. 

Additional Coverage

Additional RV coverage provides you with the insurance you need to protect yourself financially. You are better able to protect your belongings and actually enjoy yourself while you are spending time in the great outdoors. It’s up to you to decide how much insurance you feel comfortable purchasing.

The agents of All Nevada Insurance Inc. offer Las Vegas, NV residents RV insurance they can count on. The option to purchase additional insurance should not be taken lightly. Contact an agent today to find out the benefits of purchasing additional insurance while you are renting an RV. They have the answers you are looking for so you can make an informed decision.

Common Motorcycle Insurance Myths Las Vegas Residents Should Avoid While Researching Policies

All Nevada Insurance Inc. assists the Las Vegas, NV community through offering residents insurance coverage. We strive to offer our clients coverage that allows them to protect their assets both now and well into the future.

Motorcycle Insurance

During the warm summer season, many residents enjoy riding their motorcycles through Las Vegas, NV, and into the desert. While you are enjoying all of the scenery on your motorcycle, it’s important that you have some protection. Motorcycle insurance gives you a layer of security. You will be covered in the event that you are involved in an accident. You’ll also be covered if your motorcycle is stolen. While you are researching different motorcycle insurance policies, avoid some of these common myths.

You Can Add Coverage To One Of Your Other Policies

This is incorrect. The only way to ensure that your motorcycle is fully covered is through a motorcycle insurance policy. You will not be able to amend your coverage in another policy to protect you in the event that your motorcycle is damaged.

I Don’t Need Coverage During Cold Seasons

While you may not ride your motorcycle during the winter and early spring, accidents can happen while you are keeping your motorcycle in storage. Perhaps a falling object lands on your motorcycle and damages it. Your policy will cover these unfortunate circumstances.

If I Let Someone Else Borrow My Motorcycle I’m Not Responsible If Anything Happens

This is incorrect. The majority of policies outline that you are responsible in the event that someone is riding your motorcycle and gets involved in an accident. Do not assume that your friend’s coverage takes the place of yours while they are operating your motorcycle. Research your policy thoroughly for further clarification.

Consult With All Nevada Insurance Inc.

For more information on different motorcycle insurance coverage options, please visit our website.

What are the benefits of a Las Vegas classic car insurance policy?

Anyone that is looking to purchase a classic car in the Las Vegas, NV area needs to make sure that they get an adequate insurance policy. Since a classic car is a unique form of vehicle, you should get a policy that properly reflects this. A great type of insurance policy to get in these situations is a classic car insurance policy. 

Provides Coverage for Collectible Value

The main reason to get classic car insurance as opposed to normal insurance coverage for your classic car is that it will give you the coverage that will protect the collectible value of your car. A classic car can be extremely valuable and expensive to repair or replace. When you get a classic car insurance policy, you can negotiate with the provider to ensure that your vehicle’s collectible value is properly accounted for when it comes to policy coverage.

Policy Reflects Liability Risk

Anyone that wants to drive any type of vehicle in Nevada needs to have liability insurance. When you have a classic car, you likely will drive very little each year, which means that your liability risk is quite low. With a full classic car insurance policy, you can receive a liability policy that properly reflects your driving habits and history. 

If you are a classic car owner in the Las Vegas, NV area, you will want to make sure that you get an insurance policy that properly protects your asset. Those that are looking for insurance should consider getting a classic car insurance policy through All Nevada Insurance Inc. If you call the team at All Nevada Insurance Inc. you are going to receive the guidance and support that you need to pick a quality policy. This will ensure your prized asset is properly protected.