Reader’s Question:

If I let someone operate my vehicle who does not have car insurance but I have full coverage would that person be covered under my car insurance policy in Sparks, Nevada?

Aubrey

Sparks, NV

Car insurance policies differ, especially the exclusions area, so it would be up to the specifics of your auto insurance policy if a person you loan your vehicle to will be covered or not by your current insurance policy.

Generally, most insurance policies will extend your insurance coverages to those that you give permission to drive your car but if that person resides in your household then normally they would have to be on the insurance policy to be covered and if you loan your vehicle out to a friend for an extended period of time or an individual who operates your vehicle on a regular basis they may need to be added to the insurance policy as an occasional driver.

Some auto insurance policies got exclusions for other drivers. The exclusions may only permit the listed drivers to be covered or more likely exclude motorists under a certain age.

To know exactly what coverages from your insurance policy would extend to anyone you permit to drive your car, read over the terms of your insurance policy and talk with your insurance carrier’s agent in Sparks, Nevada. They should be able to tell you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident. If your insurance coverages extend to other drivers then insurance claims would normally come through your insurance policy for an accident and therefore your future car insurance rates could be affected.

Tags: auto insurance

Reader’s Question:

I had a vehicular accident and it was not my fault and my car insurance in Las Vegas, NV had been cancelled. Can I still report auto insurance claim if it is less than a few days that it has been cancelled.

Meg

Las Vegas, NV

You could not place an insurance claim through your own insurance providers since your insurance policy in Las Vegas, NV was cancelled and therefore not in effect at the time of the incident. It does not matter if your car insurance policy was cancelled by a couple of hours, days or weeks, ago if your insurance was not valid at the time of the accident you would not be covered under your auto insurance policy. But you mentioned that the incident was not your fault so you may be able to put an insurance claim through the at-fault party’s insurance carrier.

You can put an insurance claim with the at-fault driver’s insurance company to check if they will accept it. Their insurance claims department should be contacted to put the insurance claim for the damages your car sustained in the accident.

Tags: auto insurance claims, car insurance, car insurance cost

Reader’s Question:

We move around a lot because my husband is in the military. I would like to know if we insure our cars in the state we live in which is in Las Vegas Nevada?

Jane

Las Vegas, NV

With regards to driver’s license as well as vehicle’s registration, military families have special rules that apply to them . They are permitted normally to keep their driver’s license and vehicle registration in the state which they declare as their permanent address but state laws can vary.

According to the Nevada DMV students, active duty military personnel, (including their accompanying family members) residing temporarily in Nevada are not required to register their cars or get a driver license as long as they are not employed in NV.

You also should tell your insurance broker in Las Vegas that you are in the military and stationed in another state. Each state has different requirements regarding the minimum levels of coverage required. Your insurance broker will be able to tell you if your car insurance policy is adequate or if any changes need to be made.

Tags: military discount, military insurance