Category: Auto Insurance

Buying Auto Liability Insurance: A Legal Requirement

If you drive a car, you should be aware that purchasing auto insurance is not just a safety measure but also a legal requirement. For those residing in Las Vegas, NV who need information about insurance policies, our team at Red Rock Insurance is ready to assist. We have been providing custom insurance solutions for over 22 years to clients in our area.

Nevada Assembly Bill 398: A Closer Look

While most drivers understand that the "liability" part of their insurance refers to their acceptance of accountability for any damage to property or injuries caused in the event of an accident, there are many intricate details about how compensation is calculated and how an accident can affect policy premiums. To this end, you may find Nevada’s Assembly Bill 398 particularly interesting. Passed in 2023, the bill provides insights into how insurance companies can influence your liability payment.

Essentially, the bill prevents insurance companies from issuing auto insurance policies that reduce liability based on the legal costs arising from your accident. It also disallows companies from using legal fees and claim expenses to lessen the policy’s liability. This aims to ensure car accident victims aren’t faced with limited liability in subsequent insurance policies.

Contact Us Today

Whether you need more information about liability or seek a better understanding of your policy’s components, the knowledgeable team members at Red Rock Insurance are ready to provide the answers you need. Based in Las Vegas, NV, we are easily accessible for all your insurance-related queries and requirements. Call us today and let’s discuss your insurance needs.

When starting a small business in or near Pittsburgh, PA, one crucial task is to find the right insurance to safeguard against potential risks. Entrepreneurs have many policies to consider when securing their businesses, and understanding each can be overwhelming. At Daniel Novsak Agency LLC, we can assist business owners in identifying which policies are vital for their business protection.

Basic Business Insurance Needs

While there’s no one-size-fits-all solution, you can expect to need several types of policies to cover your needs adequately. If you have employees, workers’ compensation is essential. General business liability is also crucial as it protects your company against various risks. Alongside general liability, you may want to consider umbrella insurance, which can protect you from devastating lawsuits if, for instance, someone injures themselves on your property. Cybersecurity insurance is a newer category, but you should believe it, especially if your business operates online.

How to Select Small Business Insurance

The type of business you operate influences the types of policies you need. For instance, professional liability insurance is crucial if you offer professional advice. Property owners who rent buildings for profit need commercial property insurance. Business interruption insurance often differentiates between closing and remaining open if an unexpected event temporarily shuts your company, preventing you from making profits. Contractors often need commercial auto insurance if employees drive company vehicles to work sites. A business owner’s policy is also an option, but ensuring the coverage meets your needs is crucial.

The team at Daniel Novsak Agency LLC boasts considerable expertise in crafting comprehensive business insurance plans. Contact our Pittsburgh, PA office today to schedule your consultation and start working on a coverage plan that complements your business risks.

If you own a vehicle, you’re required by law to carry a certain level of insurance. However, carrying the right amount of insurance is important to protect your investment and prevent out-of-pocket expenses due to a range of risks. If you would like to choose the right Insurance protection for your situation, you can count on the experts at Red Rock Insurance to provide you with the insurance products you need. We’re proud to serve the residents in and around the Las Vegas, NV area.

Insurance For An Older Vehicle

If you own an older vehicle, you may have a few different options that the owner of a new vehicle might not have. If you own your vehicle outright and don’t have financing, you can choose the different levels of coverage you purchase rather than being required to have full coverage insurance. If your vehicle is older than ten, you may want to carry liability coverage only. The best way to know which option is right for your needs is to consult with one of our insurance agents. They are highly experienced and knowledgeable and can provide options that will work best for your situation.

We work closely with each customer to learn more about their specific situation and can provide them with a range of products that meet or exceed their needs. We can assist with document submission to help you get insurance coverage fast and provide support when you need to file a claim.

We Are Here To Help

If you would like to learn more about auto insurance, we encourage you to reach out to us today. Please call or stop by our location to speak to one of our insurance agents. We look forward to working with the residents in and around the Las Vegas, NV area. Red Rock Insurance is here to provide peace of mind with exceptional insurance products and services.

Las Vegas, NV is a bustling city that is famous for its vibrant nightlife, casinos, and entertainment. Unfortunately, it is also well-known for its heavy traffic and accidents on the road. That’s why it’s vital for Las Vegas drivers to have comprehensive auto insurance.

Here are the top five reasons:

Protection Against Theft

You should know that Nevada has a high rate of car theft. According to the National Insurance Crime Bureau, Nevada ranks 8th for vehicle theft. Comprehensive auto insurance covers theft and vandalism, giving you peace of mind if your car is stolen or damaged.

Coverage for Natural Disasters

Las Vegas is also prone to flash floods, dust storms, and wildfires, which can damage your vehicle. Comprehensive coverage protects you from these losses caused by natural disasters and weather-related damage.

Protection Against Uninsured Drivers

Despite mandatory insurance laws, there are a lot of drivers in Las Vegas who don’t have insurance. If you’re involved in an accident with an uninsured driver, comprehensive auto insurance can cover your expenses, including unexpected medical bills and repairs.

Peace of Mind During Road Trips

Las Vegas is also a popular road trip destination, but long drives can lead to unexpected accidents. Comprehensive auto insurance provides you with peace of mind, keeping your car protected on the road, whether traveling across the state or to another country.

Protect Your Investment

Your vehicle is an investment, and comprehensive coverage protects it from damage and loss. Without comprehensive coverage, you may have to pay out of pocket for repairs or replacements if something happens to your vehicle.

Reach Out To Us

At Red Rock Insurance, we offer a range of auto insurance coverage options, including liability, collision, and comprehensive coverage. We understand the risks of driving in Las Vegas, NV and we can help you find the right coverage to protect you and your vehicle.

Contact Red Rock Insurance today to learn more about our auto insurance coverage options. We’re here to help you find the right coverage to fit your needs and budget.

 

 

Owning a car is quite common for those in the Las Vegas, NV area. When you are a vehicle owner, you will be able to get around the entire community much more efficiently. As you are looking for a new car, you should also carefully evaluate all of your insurance needs.

Red Rock Insurance provides this guide on the various situations when having this coverage will be a good idea.  

Getting An Auto Insurance Plan: What You Need To Know

When Driving on a Public Road

One of the situations to have an auto insurance plan is when you are looking to drive on a public road. There is always a chance that you could cause an accident when driving. If this occurs, you will have to cover damages. In the state of Nevada, all drivers are required to carry liability insurance as it helps to ensure that drivers will be able to cover damage that may be caused.

When Financing a Car

It is also a good idea to have an auto insurance plan if you intend to finance the purchase of a car. As cars can be quite expensive, taking out a loan is often a good way to complete the purchase of a vehicle. If you are going to take out an auto loan, you also need to get an auto insurance plan with full coverage to comply with provisions likely set by your lender.

Contact Us Today

When you want to shop for a new auto insurance plan in the Las Vegas, NV area, it would be a good idea for you to speak with the team at Red Rock Insurance. There are a lot of choices to make when looking for coverage and Red Rock Insurance offers any guidance necessary to select the right policy to adequately protect you. 

For a new driver, the only thing more exciting than walking out of the DMV with your new driver’s license in your hand is getting behind the wheel as a new, legal, licensed driver. Although you may have been driving with a temporary permit, as a licensed driver you will be in control, there is no need to have a licensed driver with you while driving. It’s important to keep in mind that this is a big step and it may feel a little intimidating, so Red Rock Insurance has put together a few tips for new drivers in Las Vegas, NV.

Avoid Distractions

Talking to passengers, turning the radio up full blast, and trying to eat while driving is only a few of the distractions that can happen while you are driving. Just like an experienced driver, new drivers are also expected to keep their distractions to a minimum to make sure your focus is on your driving and the road.

Don’t Use Your Cell Phone

One of the most common causes of automobile accidents is distracted driving due to cell phone use. Accidents happen quickly, so the few seconds in which you lose focus while talking or texting may result in you being involved in a serious accident. When you are driving, your cell phone should be turned off or use an app that interrupts calls to let callers know that you are driving and will return their call once you safely arrive at your destination.

Don’t Speed

Another common cause of fatal accidents is speeding. For your safety and the safety of others on the road, it is essential that you follow the speed limits. If you are driving the speed limit and other vehicles are passing you, try to remain calm and avoid feeling overwhelming by the vehicles that are passing you, instead focus on the fact that it is more important for you to arrive at your designation safe and without being stopped for speeding.

Patience is essential when driving, so be sure to allow yourself enough time for safe traveling and safe arrival. Remember to always buckle up, be mindful of other drivers on the roadway, and always carry your driver’s license and insurance information with you.

For new drivers in Las Vegas, NV that are interested in learning more information about safe driving or to review their automobile insurance policy should contact Red Rock Insurance.