Auto Insurance

Determining Fault in an Auto Accident

Posted on by TheSph3r3
Determining Fault in an Auto Accident

How insurers will determine who is at fault for a car accident.

More than any other factor, your driving record determines rates for your car insurance. Good drivers with a clean history are likely to enjoy lower premiums, while drivers with one or more at-fault accidents must usually pay higher rates for coverage. However, even safe drivers can get involved in a car accident from time to time. With this in mind, it’s important to understand how fault is determined in such cases.

For every crash that happens on U.S. roads, someone is always at fault. Therefore, if you’re involved in a single-vehicle crash, you will automatically be deemed at fault and can expect that mark to stay on your record for many years.

Your insurer will likely determine fault based on the police report of the incident. While there can be exceptions, the general rules of thumb are as follows:

  • If you struck another vehicle from behind, you will be deemed at fault, regardless of what the driver did.
  • If you collide with a vehicle during a lane change, you’ll be at fault if the other vehicle was in your blind spot or if the vehicle was already in the lane.
  • If you ran a red light, stop sign, or other traffic control, you’ll be deemed at fault.

Ultimately, the drivers’ insurance companies will make the final decision regarding their driver’s claim. However, with supporting evidence, you can avoid having to pay out on your insurance when you’re not at fault. When considering your claim, check to see if any traffic laws have been broken – did a driver skip a red light or were they speeding when the road accident occurred? These observations are not always easy to prove and usually require witnesses. However, they can help to determine who was at fault in an accident.

If you’re involved in an accident, car insurance can help. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and vehicle!

Does Your Car Insurance Travel Out of State with You?

Posted on by TheSph3r3
Does Your Car Insurance Travel Out of State with You?

Understand where your auto insurance leaves you before driving out of state.

Before a big road trip, the last thing on your mind is auto insurance. You’ve got to pack, plan your route, and tune up your vehicle. Even so, it’s important to take a moment to understand how and where your auto insurance will protect you. If you’re traveling out of state, you should know how that affects your current car policy.

Auto insurance requirements vary state to state, with each enforcing a different minimum liability coverage amount. It’s a natural to be concerned about coverage when traveling into different states that have higher liability requirements than what you may have on your policy. Here’s what you should know before you set off.

Where does my car insurance work?

Even if your insurance company doesn’t operate in the states that you’re planning on visiting, you may still be able to use your coverage. Generally, the only time your out-of-state insurance would not work is if you were moving to a new state permanently. In that case, you’d need to purchase a policy from the new state so you could satisfy their coverage requirements.

Where will my car insurance not work?

If you’re leaving the U.S. by taking a detour south to Mexico or north to Canada, you may need to secure different insurance while driving there. Many insurance companies do not extend protection to other countries, so be aware of this gap if you are venturing outside of America. However, if you do drive abroad, you can most likely get insurance from the rental car store where you pick up your vehicle.

The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that will see the motorist through their entire journey and beyond! Located in Las Vegas, Henderson, and neighboring cities, contact us today.

What You Should Know Before Buying a Used Motorcycle

Posted on by TheSph3r3
What You Should Know Before Buying a Used Motorcycle

Tips for Buying a Second-Hand Motorcycle

The spring will soon be here and, finally, you’re ready to buy that second-hand motorcycle you’ve always wanted. Used motorcycles are plenty in the spring months. If you’re smart, you can still find the bike of your dreams at a good price. Before you start looking, check out what you should know about buying a used motorcycle.

Do Some Background Research

There are many different makes and models of motorcycles. Have a quick look at the typical value of older bikes, keeping in mind that the older it is, the more the value will have depreciated. This will give you a good idea of how much you should be paying. 

Do a Thorough Visual Inspection

Look for misaligned body parts and mismatched colors. Open the gas cap and look inside the tank for possible rust and corrosion. Look closely for scratches under the paint, especially on a black frame. Check the undersides and ensure everything looks as it should from front to rear.

Test for Leaks

Look under the engine and, if applicable, the radiator for signs of escaping fluids. Don’t just check for puddles under the bike, either, the seller may have rolled the bike to a spot-free location before you arrived. Run a finger along the underside of the engine, especially along gasket surfaces to detect signs of leakage.

Test Drive It

Start the engine and listen for loud, unusual noises such as heavy knocks, excessive valve clutter, and odd rumbling sounds. Don’t accept the “they all do that” explanation, either. When driving, try to see if the bike wants to pull to one side when driving in a straight line. Test the brakes for poor stopping ability or other issues.

If you bought a used vehicle, you’ll need to properly insure it! Protecting your motorcycle comes easy to the insurance professionals at All Nevada Insurance. Keep your motorcycle protected with quality insurance in Las Vegas, Nevada today by giving us a call.

How to Keep Your New Year’s Resolutions

Posted on by TheSph3r3
How to Keep Your New Year’s Resolutions

Stick with your resolutions and achieve your goals in the New Year.

Another year is ending, and many of us are gathering up our willpower for our New Year’s resolutions. Whether it’s to lose weight, save money, be healthier, or all three, many of us choose the same old resolutions. But have we learned from previous experience? A larger number, if not the majority, or previous resolutions were broken in weeks. Fortunately, with these tips, you can make this set of resolutions that much more successful.

Keep it simple.

Don’t overwhelm yourself with too many resolutions! Some people aim for a complete overhaul of their entire lifestyle, and this is often rarely realistic. The best approach is to focus clearly on one or two of your most important goals.

Be realistic.

Don’t aim too high or ignore reality. Consider your previous experience with resolutions and assess what led to the failure of them. It may be that you didn’t lose weight because you didn’t make time for the gym and didn’t learn the ins and outs of a healthy diet. Consider what went wrong and ensure that your goals are entirely achievable with a bit of patience and consistency.

Start small.

Break down goals into sizeable chunks. The more planning you do now, the more likely you are to get there in the end. The planning process is when you build up that willpower which you will undoubtedly need to fall back on along the way. Narrow down your goals into achievable tasks – such as going for a run once a week or saving $50 a month. Putting figures into goals makes it much more real.

Leverage resources.

Let’s face it – there’s an app for everything! If you’re glued to your smartphone, make sure that you use it to help achieve your goals this year. Whether it’s a fitness app, financial planner, or even a daily task reminder, you can put technology to use.

Tell your friends and family.

If you tell people around you, you’re more likely to stick with your goals. Carefully choose those people around you who have shown themselves to be trustworthy to support you in this endeavor. Let them know of ways they can help when the going gets tough.

The team at All Nevada Insurance wishes you all the success! Is your goal to start a new franchise or receive the right insurance protection? We can help! Contact us today to learn more.

Why to Review Your Insurance Policies at the End of the Year

Posted on by TheSph3r3
Why to Review Your Insurance Policies at the End of the Year

What to look out for when you’re reviewing your insurance policies.

The end of the year lends itself to insurance policy reviews. As well as the festivities and the parties, policyholders should carve out some time at the end of the year to review their coverage, check their limits and deductibles, and update their insurance. Fear not – this process doesn’t have to take hours of your time. We’ve created a list of what you should look out for when reviewing your policies.

Home Insurance

  • Have you remodeled your home recently? If you’ve made a major update to the property, such as getting a new kitchen or adding a master suite, update your homeowners insurance. If the value of your property increases, your insurance will need to increase to cover the whole home’s worth.
  • Now is the time to update your home inventory with all of those precious gifts that you received during the holidays! If you were gifted with precious items such as jewelry, antiques, artwork, musical instruments, and other high-value items, you might need additional coverage to protect these belongings.
  • Did you adopt a dog for the holidays? Certain dog breeds require higher liability limits.

Auto Insurance

  • Did you purchase a new vehicle this year? Consider adding on uninsured/underinsured motorist insurance, which protects your new vehicle against hit and runs, and from getting into accidents with motorists who have little or no insurance.
  • If you’ve paid off the loan on your older vehicle, it could be time to raise your deductible or drop comprehensive and collision coverage. Find out the value of your vehicle before you decide to drop coverage to ensure it’s worth it.

 Do you need help selecting personal insurance policies? Before the year is up, give All Nevada Insurance a call – Our team of experts can help you determine what policies, deductibles, limits, and premiums are right for your needs so that you can enter the New Year worry-free. Visit us today for more information.

Unexpected Skills You Should Teach Your Teen Driver

Posted on by TheSph3r3
Unexpected Skills You Should Teach Your Teen Driver

Tricks to help your teen become a better and safer driver.  

Do you have a teen driver in the house? If you do, you probably put them behind the wheel whenever you can, and that is a great way to gain crucial driving skills and confidence on the road. The only downside to this is that the driver can quickly get familiar with the same routes and the same challenges, whether it’s a drive towards the grocery store or driving back from sports practice. When your teen has to drive somewhere out of the ordinary or encounters a new challenge, they develop new skills and stronger confidence.

Here are a few tricky skills that you probably haven’t practiced with your teen (but should!).

Different Stoplights

One-way streets, unprotected left turns, flashing yellow lights, busy crosswalks… There are plenty of different stoplights to learn. Even though certain intersections can be trickier than others, practicing them will help your teen driver to learn about staying aware of pedestrians, turning vehicles, and gauging when they can make a turn.

Long Distances

Clearly, you’re not going to want to turn your new driver loose on a road trip, however, if their longest drive has been to the mall and back, they might not be prepared for what driving long distances feels like. It’s often wise to give them some practice free-range driving, such as driving out to the country or catching a college game. Dealing with new roads, extended periods of focusing, and more drivers will ultimately help them become confident once they are loose behind the wheel.

Nighttime Driving

Many teens only drive during the day, so when they get behind the wheel at night once they’ve passed their test, they struggle. Driving at night has its dangers, from decreased visibility to drowsiness. It’s smart to take your teen out driving on a quiet weekday night to get them familiar and comfortable with driving around at night. Talk to your teens about the dangers and remind them to always have their headlights on.

Keep your teenage driver safe on the roads by helping them to develop smart skills. Additionally, secure auto insurance that can help. Visit the team at All Nevada Insurance for your custom car insurance policy in Las Vegas, Nevada.

3 Ways to Maintain Your Car’s Value

Posted on by TheSph3r3
Ways to Maintain Your Car’s Value

Top tips to help you beat depreciation and get a good price for your car.  

As many know, thrifty motoring doesn’t end when you beat the dealer down on the price of a new car. Depreciation is by far the largest motoring cost any of us will face. It’s well known that a new car’s value plummets the second it’s driven off the lot. In fact, many experts estimate that the average vehicle loses 15 to 25 percent of its value within the first five years that it’s in operation.

To help you retain the value of your car, start with these tasks.

Keep It Clean

Any car can look cheap when it’s covered in dirt, poorly cared for, and has layers of dust in the interior. A clean car can go a long way to keeping your car valuable, but this doesn’t mean you need to spend every weekend washing and polishing it. In particular, keep the interior clean, free from mud, dust, stains, and grime getting into small places. Brake dust is another problem as it can attach the clear lacquer on your alloy wheels if it’s left there too long. A quick rinse with soapy water once a week is enough.

Service It on Time

Routine car maintenance is a must, and a good technician can tell you if you’ve neglected things like routine engine oil and fluid changes. Follow your car’s regular maintenance schedule and save records of all services. Having a full-service history will also help when trying to sell the vehicle.

Sort Out the Dings

Small dings and dents are a sad fact of life, but you don’t have to just put up with them. A dent-removal expert will be able to help you with parking lot scuffs, scratches, and dings. Parking in a more deserted area of the parking lot might be all it takes to avoid those irritating battle scars.

Protecting your car comes easy to the insurance professionals at All Nevada Insurance. Keep your car protected with quality auto insurance in Las Vegas, Nevada today by giving us a call.

Car Insurance Mistakes That Could Cost You

Posted on by TheSph3r3
Car Insurance Mistakes That Could Cost You

Avoid making these mistakes when selecting your auto insurance policy.

As a car owner, you want to make sure you get the insurance coverage you need without overpaying. Unfortunately, in an effort to save money, many motorists end up making mistakes with their coverage. In turn, this comes back to bite them in the form of a large expense.

If you are in the market for insurance, here are some mistakes that could negatively impact your bank account.

Opting for the minimum coverage required.

It’s easy to believe that you’re a good driver and won’t get into a car accident where you’ll need to file a claim. Unfortunately, even the best of the best may get into an accident. One way to save money is to only opt for the minimum coverage required by your state law. Although it seems like a good strategy, it could actually backfire. Not buying enough insurance means that you could end up facing hefty expenses down the road, should you file a claim in which your auto insurance isn’t enough to cover all the costs.

Failing to understand your coverage.

Before settling on a plan, you need to understand everything that it does – and doesn’t – cover. If you don’t understand the plan, you could end up buying coverage that will not meet all of your needs. For example, you may not know if your plan provides the actual cash value or the replacement cost for your car until after you have to file a claim. There is a huge difference between the two that could prove costly for you.

Hiding information.

Sure, it seems tempting to underestimate your annual mileage or let your teenage driver start using your car without adding her onto the insurance. However, neglecting to tell the insurance company important and essential information about the vehicle, its drivers, and its use could come back to haunt you. Once the company finds out (and they always do), they could cancel your policy and leave you without coverage.

Part of saving money and staying safe on the roads is securing reliable coverage. Visit All Nevada Insurance today to secure auto insurance to suit your needs. We serve Las Vegas and beyond!

Ways to Save on Your Motorcycle Insurance

Posted on by TheSph3r3
Save on Your Motorcycle Insurance

Motorists, instead of cutting down on your coverage, cut your insurance costs.

If your motorbike isn’t your primary mode of transportation, you’re likely to keep it tucked away and only hop on it for a sunny afternoon ride. While you may enjoy the thrill of this, you may hate forking out your hard-earned savings each month to keep it protected. Fortunately, there are several (effective) ways that you can save on your insurance.

Enroll in a safety course.
A safety course certificate tells insurers that you’re dedicated to being safe, and that you took extra effort in becoming a responsible driver – earning yourself a discount on insurance!

Get custom coverage.
Make sure that your policy only reflects the way you use your bike. If you store your motorcycle in the garage or keep in hibernated all winter, let your insurer know. If you only drive your bike on a sunny weekend, your insurance could be much cheaper than for someone who rides their bike to work every day.

Raise your deductible.
The deductible is the amount that you pay out of pocket after an accident. Higher deductibles mean that the insurance company assumes less risk – but you pay more out of pocket when filing a claim. Consider this cost before raising your deductible.

Pay in full.
With many insurers, if you pay your premium in full, rather than monthly, you’ll receive a discount!

Know your risks.
Love your top-of-the-line bike? Others probably do, too. The risk of theft and vandalism increases with an expensive bike, as well as having costly repairs. In turn, an insurance policy increases!

Are you ready to secure the right motorcycle insurance for your needs? Contact the professionals at All Nevada Insurance to get started on your custom coverage in Las Vegas, Nevada!

How to File a Commercial Auto Insurance Claim

Posted on by TheSph3r3
File a Commercial Auto Insurance Claim

Stay ahead of the game by knowing how to handle a claim.

If you’re a business owner, you or your employee may drive every day. No matter how you and your team use your commercial vehicle or fleet, you could be at risk in the event of accidents on the road. When an incident happens, knowing how to file a commercial auto insurance claim will help you to save valuable time!

Check for injuries

Immediately following the crash or impact, check the people involved for injuries, and contact the appropriate authorities.

Gather information

Next, you’ll want to write down information to relay to your insurance company when making a claim:

  • The names of everyone involved in the accident
  • All vehicle license plate numbers and car information
  • The insurance information from all other drivers involved
  • All accident specifics that you can remember

It’s a good idea to take pictures of all vehicles involved, damage caused, and to jot down notes about what happened. This information could be helpful during the claims process.

Calculate

If the accident is minor and caused no damage, evaluate whether it’s worth calling your insurance company to file a claim. If the cost of the damage is lower than your deductible, it may be more cost effective to pay for the damage out of pocket.

File

When you’re ready to file your claim, call your dedicated insurance agent who can handle the ins and outs of getting you back on your feet.

Skip the search of finding the right insurer that is there for your business. To get the right commercial auto insurance, contact the experts at All Nevada Insurance, serving Las Vegas, Nevada.