Corey Eschweiler: A New Year Is the Perfect Time to Review Your Nevada Car Insur

1. Corey Eschweiler: A New Year Is the Perfect Time to Review Your Nevada Car Insurance Policy 2025 is here, and the team at ER Injury Attorneys hopes that you have an incredible year. As a reminder, a new year is a great time to review your car insurance policy to see if you’re getting the coverage that you need at the price you want. Many people forget to review their policies due to inertia. With Nevada being one of the most expensive states for car insurance, this can be a major mistake. With that in mind, the Las Vegas automobile accident lawyers at ER Injury Attorneys explain why it’s important to review and renew car insurance. Why It’s Important to Review and Renew Car Insurance Car insurance is not a “set-it-and-forget-it” expense. Life changes, your driving habits evolve, and insurance companies regularly increase their prices. The Nevada Division of Insurance (NDI) recently approved car insurance rate increases that could increase your bill by up to 31%. By failing to review and renew your car insurance, you may be missing out on better coverage options, discounts, or more competitive rates. Here are some key reasons why you should prioritize a policy review: 1. Ensure Adequate Coverage Your current policy may no longer provide sufficient coverage for your needs. For example: • Vehicle Changes: Have you upgraded to a newer car or sold an older one? Your insurance should reflect these changes. • Life Events: If you’ve moved, changed jobs, or added a new driver to your household, your policy may need adjustments.

2. Underinsured drivers often discover gaps in their coverage only after an accident, leading to costly out-of-pocket expenses. Don’t let this happen to you–ensure that your coverage aligns with your current situation. 2. Save Money Car insurance premiums can fluctuate due to factors like your driving history, age, and market trends. By shopping around and comparing rates during the renewal process, you may find a better deal. Many insurers also offer loyalty discounts, bundling options, and other perks that could lower your overall costs. In Clark County, Nevada, where car insurance premiums are notably high, taking the time to shop for competitive rates can result in significant savings. 3. Stay Compliant with State Laws Nevada requires drivers to carry a minimum level of car insurance, including liability coverage of at least: • $25,000 for bodily injury or death per person • $50,000 for bodily injury or death per accident • $20,000 for property damage Failing to meet these minimums can lead to legal penalties, including fines and license suspension. When you renew car insurance, ensure your policy complies with Nevada’s requirements. 4. Access New Discounts Insurance companies frequently update their discount offerings. Some common discounts include: • Safe driver discounts • Multi-policy discounts (e.g., bundling home and auto insurance) • Discounts for low annual mileage (many people grossly overestimate how much they drive) • Savings for vehicles with advanced safety features When renewing, ask your provider about new discounts you may qualify for.

3. How to Review and Renew Car Insurance Renewing your car insurance doesn’t have to be overwhelming. Here are some practical steps to guide you through the process: 1. Review Your Current Policy Start by examining your current policy. Understand what it covers, including: • Liability limits • Comprehensive and collision coverage • Uninsured/underinsured motorist protection • Deductibles Identify areas where you may need more coverage or where you’re overpaying for unnecessary extras. 2. Assess Your Needs Consider how your needs have changed since your last renewal. Ask yourself: • Do I need higher liability limits for better protection? • Should I add coverage for roadside assistance or rental car reimbursement? • Has my driving frequency changed? Tailor your policy to reflect your current lifestyle and priorities. 3. Shop Around for Better Rates Don’t assume your current provider offers the best deal. Compare rates from multiple insurers to see if you can find a more competitive offer. Many reputable online financial websites, such as Nerdwallet, will compare rates on your behalf for free (note that they may make money through affiliate links). 4. Ask about Discounts Contact your insurer to discuss available discounts. If you’ve maintained a clean driving record or made safety upgrades to your vehicle, you may qualify for additional savings. 5. Work with an Insurance Agent If the process feels overwhelming and you feel more comfortable working with some you can meet face to face, consider working with a local insurance agent.

4. They can help you understand your options, identify gaps in coverage, and find the best rates. The Risks of Skipping a Policy Review Neglecting to review and renew your car insurance can lead to several problems: • Underinsurance: You may lack sufficient coverage to protect you financially in case of an accident. • Overpayment: You might be paying more than necessary for outdated coverage or missing out on discounts. • Non-Compliance: Failing to meet Nevada’s minimum insurance requirements can result in fines and legal consequences. A quick policy review each year ensures you’re protected, compliant, and not overpaying for your coverage. Contact a Las Vegas Car Crash Lawyer The team at ER Injury Attorneys understands the importance of comprehensive car insurance coverage. As experienced Las Vegas injury lawyers, we’ve seen firsthand the financial and emotional toll that auto accidents can take, especially when drivers are underinsured or get into a wreck with an uninsured driver. If you’ve been injured in a car accident, our team is available 24/7 to help you. We can assist you in navigating insurance claims, holding negligent parties accountable, and securing the compensation you deserve. You can reach out to ER Injury Attorneys by phone at 702-878-7878 and online via LiveChat or encrypted contact form. Our adept Nevada injury attorneys have successfully served injury victims in Las Vegas, Henderson, Summerlin, Pahrump, Boulder City, Laughlin, and beyond. Contact us today and take the first step towards the settlement that you deserve. The information on this blog is for informational purposes only. It is not meant to serve as legal advice for an individual case or situation. This information is not intended to create an attorney-client relationship nor does viewing this material constitute an attorney-client relationship. Bookmark the permalink.