I have an older vehicle here in Nevada and I wanted to get cheaper car insurance. I still have collision coverage and I was thinking, does it make sense to keep it?

Sam

Spring Valley, NV

If you only have liability coverage, it is the best way to have cheaper car insurance especially if you have an older car. Liability coverage would pay for all the expenses associated with the repairs of other vehicles affected during the accident. This type of coverage would not pay for any damages on your own car because collision and comprehensive coverage pays for those expenses. Although having cheaper car insurance, you would have to take a risk in getting just the liability coverage because you would have to cover the expenses of repairing your own vehicle.

Since you mentioned that you have an older car in Nevada, I assume that, of course, it doesn’t have much value as a brand new and latest model car. You won’t probably need to have collision and comprehensive coverage if the car’s value is $1500 or less, thus having yourself cheaper car insurance. If your vehicle endures a damage worth of $800 in the event of an accident, then you have a deductible of $500 and pay $300-premium for the extra coverage, it would not make financial sense to keep on paying for extra charges. You have to find out the level of risk you can take for yourself and the amount of coverage you need from your car insurance company.

What kind of SR22 insurance policy do I need to get here in Nevada if I’m required to have it but don’t own a car?

Isla

Henderson, NV

A lot of people are really confused as to what SR22 insurance policy they would get. Most motorists are not actually aware what SR22 insurance policy is so they are having difficulties once they are asked to get it. SR22 insurance is a proof of insurance and typically becomes a rider to an insurance policy. SR22 insurance policy is being required by the Department of Motor Vehicles (DMV) for motorists who have shown high risk tendencies. SR22 serves as a certification by the car insurance company that the driver has at least liability insurance.

Drivers who have citations for driving under the influence (DUI) are the most popular candidates to get an SR22 insurance policy. Other drivers who are required to get SR22 insurance as well are those who have been into many accidents or have gotten a lot of traffic tickets in a short period of time or those who have been to accidents that involved death.

In the state of Nevada, there are two kinds of SR22 insurance policies: owner and non-owner policy. Not all drivers who are asked to get an SR22 insurance policy have their own vehicles; however, they could be operating other vehicles so it will still be required of them to get an SR22 insurance policy.

I’ve been living in Las Vegas, Nevada for a long time and I have heard several cases about DUI and they say that alcohol can impair our judgment. How can the consumption of alcohol affect the judgment ability of a driver?

Rena

Las Vegas, NV

Operating or driving a motor vehicle would require continuous decision-making by the driver. But judgment abilities could be affected by even small amounts of alcohol, thus causing the driver to be under the influence. An example is that alcohol-impaired judgment could cause a driver to follow another vehicle too closely which provides an unsafe stopping distance. Alcohol-impaired judgment could also result in a driver taking risks or endangering others. If you notice a vehicle making an improper or unsafe lane changes, either frequently or abruptly, or with apparent disregard for other vehicles, there is a chance the driver’s judgment has been impaired by alcohol.

Similarly, impaired judgment could cause a driver to turn improperly. An example is that misjudgments about speed and the roadways of Las Vegas, Nevada could cause a driver to take a turn too fast, or to make sudden corrections during the maneuver. These corrections could appear to us as observers as jerky or sharp vehicle movements during the turn. Alcohol-impaired judgment could also affect the full range of driver behaviors. A research concluded that impaired drivers are less inhibited about making illegal turns than unimpaired drivers.