I Just Switched Over to a New Nevada Car Insurance Policy. When Is My Coverage Going to Kick In?

I Just Switched Over to a New Nevada Car Insurance Policy. When Is My Coverage Going to Kick In?

One of the first things you're going to want to do when you relocate to Nevada is transfer over the tags on your car so the DMV can't complain you haven't told them where you're living these days. Those finds are a killer! The only way you're going to be able to change the tags on your car, however, is to prove that when you hit the highways you're going to be backed up by a good, strong Nevada car insurance policy.

Coverage from another state just won't do!

Why You Need to Switch to a Nevada Car Insurance Policy as Soon as Possible

It's easy to get so caught up in the details of moving that you forget to get your car insurance changed over to a "Nevada" car insurance policy a week or two after you set up shop. It's more important to be able to find your dishes, maybe even a shoe or two, right? Well…not really. And I'm not just saying that because I spend all day dealing with car insurance and that's what we do! See, when you relocate you aren't the only one with a new home. Your new driveway is going to be your car's new digs, and your insurance company is going to want to know about that.

If your car is garaged somewhere it's not supposed to be (like oh, say, Reno) and your car insurance company doesn't know about it, you might be left high and dry when the time comes to file a car insurance claim. And if you just got done moving your family and everything you own across state lines you probably don't have hundreds of dollars to spare!

Every State Has Different Coverage Limits

Another thing you might want to think about while we're on the subject of Nevada car insurance is exactly what your maximum liability car insurance coverage levels happen to be. See, every state has its own set of rules when it comes to insurance. Nevada law states that you need to carry at least a 15/30/10 policy-$15,000 in bodily injury liability per person and $30,000 per accident, and $10,000 in property damage liability. If the coverage levels of your current policy fall below that, or if you're not insured at all, you're underinsured and need to make some changes to comply with state law. And the Nevada DMV is going to make sure you do by holding your new license plates hostage until they have your proof of insurance in hand!

When Does Coverage Begin?

The good news is, changing your policy is as simple as picking up the telephone. If you're just switching states and your minimum liability was already on par your new coverage is going to begin immediately, and you shouldn't have to pay anything more until your next round of premium payments come due. If you raised your minimum liability levels, or if you need to buy a new policy because you're currently uninsured, you're going to have to pay at least a deposit on your new coverage. Once that deposit is paid, however, your insurance should kick in immediately.

And as soon as your insurance is up and running you'll be ready to hit the Nevada highways. Or finish unpacking. Whichever comes first.

Related Articles

• I Just Switched Over to a New Nevada Car Insurance Policy. When Is My Coverage Going to Kick In? - Sep 30, 2009 - 10:15:32 PM