What Car Insurance Coverage is Most Important?

Small Red Bug Car

Whether you’re a first-time driver shopping for your first auto insurance policy, or you’re just looking to revamp your existing auto insurance policy, knowing your options is a crucial part of the process.

Here is a list of the types of coverage available to you in order of importance, from most to least important. Keep in mind that some of the lesser-important types of coverage may still be necessary for you based on your circumstance.

1.    Liability coverage for bodily injury and property damage

The most important coverage is, without a doubt, liability and property damage coverage. In fact, a minimum amount of this coverage is mandated in Nevada, and other states have their minimum requirements as well. Without proper liability and property damage coverage, you are not even legally allowed to drive.


Nevada is a 15/30/10 state. This means that you are required to carry at least $15,000 in liability coverage for bodily injury or death for one person, $30,000 for two or more people, and $10,000 for damage to property.


If you are caught driving without proper insurance, you face a hefty fine and possibly having your driver’s license revoked. Before anything else, make sure you have proper liability coverage.

2.    Uninsured/Underinsured motorist

If you are involved in an accident and the other driver does not have insurance or adequate coverage, you will be very grateful to have this uninsured/underinsured (UM/UIM) coverage.  If this seems unnecessary, you’d be surprised to find out that more than a quarter of drivers do not have adequate insurance. That puts you at great risk if you are in an accident that was not your fault, and you’re still stuck with medical and auto repair bills, lost wages, etc.

3.    Comprehensive

Comprehensive coverage is for anything non-collision related. Think floods and natural disasters, theft, run-ins with deer or livestock, weather-related damage, etc. If you live in an area especially prone to extreme weather or in an area with a high crime rate, comprehensive may be a good idea.

4.    Collision

If you are involved in a collision with another car of object, collision coverage will cover damages to your car above your deductible. This coverage may be important for someone with a luxury car or a car that would require expensive repairs that you would otherwise not be able to afford. Those with older cars or less-expensive cars may decline this coverage if repairs can afford to be paid out-of-pocket.

5.    Emergency Roadside Service

This coverage is probably the least important but can still play an important role in your coverage. If you find yourself stranded on the side of the road, particularly in an unfamiliar or rural area, this coverage could be significant. Whether you run out of gas, have a flat tire, or a mechanical breakdown, roadside assistance will send a tow truck or roadside assistance vehicle to your rescue. Your insurance company will often pay the towing company directly as well, eliminating the extra stress from your mind.

To find out more about auto insurance in Reno and what coverage options are available to you, talk to the insurance professionals at Heuer Insurance today!

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