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Red Rock Insurance

2760 Lake Sahara Dr. Ste 100
Las Vegas, NV 89117

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Tag: Red Rock Insurance

Does Motorcycle Insurance Cover Personal Injury?

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In many ways, Nevada is a great place to ride a motorcycle. The terrain, scenery and climate are just a few reasons why. However, it’s wise to keep the risks in mind. Most accidents involving motorcycles cause physical injuries. It’s vital to make sure you have the right insurance that covers personal injuries resulting from a crash.

Are Injuries Covered by Motorcycle Insurance?

The answer depends on who is injured and who is responsible or "at fault" for the crash that causes the injury. Insurance coverage is different for riders, passengers, other drivers and pedestrians. One important factor is that Nevada is an at-fault state, meaning that motorists who cause accidents need to compensate the victims for their resulting injuries. If someone else causes a crash that injures you, their insurance should cover your medical treatment. If you cause a crash that injures other people, your insurance should cover their injuries. But if you’re at fault for an accident that injures you and your passengers, you won’t be covered. You’d need special insurance for that.

Types of Motorcycle Insurance

Nevada requires both motorcycle and car drivers to have basic liability insurance. It compensates for damage and injuries that you cause, but basic liability doesn’t cover your own medical treatment. Consequently, it’s important to understand that you will not receive medical reimbursement for your passengers’ or your own medical costs if you’re at fault for an accident and you only have liability coverage.

In Las Vegas, NV, motorcyclists have the option to sign up for medical payment insurance, also known as a "MedPay" policy. It covers injuries suffered by motorcycle riders and their passengers, regardless of who is at fault for a crash. Keep in mind that MedPay covers medical treatment for you and your passengers, not for other drivers involved in an accident.

Red Rock Insurance is an independent agency that serves motorcyclists throughout the Las Vegas, NV area. We can also insure any other autos you may own, including classic cars and recreational vehicles. Our highly skilled agents will help you choose the right policy, depending on the specific motorcycle you ride and how you plan to use it. Call 702-733-0330 to contact Red Rock Insurance for a quote.

Do You Need Special Boat Insurance To Go in the Ocean?

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Taking your boat into the ocean is the break you need from the daily stress of life. There’s nothing more soothing than floating along open water with gorgeous sunsets and a gentle breeze. Unless, of course, you find yourself stranded and realize you don’t have insurance coverage.

Learn about boat/watercraft insurance before you hit the water. 

Expanded Geographical Boundaries

Some insurance policies specifically state how far you can go in your boat and still have coverage. Companies may not provide assistance or services, such as fuel delivery, beyond those boundaries. Ask an agent at Red Rock Insurance if you’ll still have coverage in the ocean before you leave the Las Vegas, NV, area. 

International Coverage

Most boat/watercraft policies are designed to cover you in American waters. Some may extend to waters near Canada or Mexico that are still close to American soil. Once you hit international waters, you need international coverage. This is the same type of policy that cruise ships carry to ensure they’re covered in various waters. 

Additional Coverage

Many boat owners require additional coverage before venturing into the ocean, as the risk of an incident is significantly higher. For example, you don’t have to worry about piracy on an American lake. You may also need higher liability limits. If there’s an accident, it will cost more to save you from the ocean, and your insurance policy needs to provide enough coverage for the bill. 

Here at Red Rock Insurance, we understand that you may need different types of coverage for different trips. Our agents will explain your policy so you know what it covers and what you need to add. Contact us to learn more. We’re currently serving the Las Vegas, NV, area. 

Liability Coverage for Major Lawsuits Concerning Your Place of Business

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A defective product or service offered through your business could result in a lawsuit from a customer. If your commercial insurance policy does not provide adequate liability protection, you should consider adding umbrella insurance coverage to your plan.

Umbrella Insurance

Umbrella insurance coverage provides additional protection once the limits of your standard insurance policy have been reached. It is designed to act as a safeguard, covering costs that your primary insurance policy does not.

Legal Matters

Umbrella insurance is a type of liability coverage that reimburses business owners for out-of-pocket legal expenses. These expenses may include attorney fees, settlement costs, and the preliminary steps required to prepare for a court hearing.

Legal Concerns

If you are worried about being involved in a major lawsuit, you may wonder how this could impact your finances. Without adequate insurance coverage, the costs associated with legal matters could disrupt your ability to operate your business effectively.

Having a backup plan to handle unexpected legal issues is essential. Umbrella insurance coverage can provide financial relief during challenging situations that require you to defend yourself in a lawsuit.

Insurance Concerns

Contact a qualified agent at Red Rock Insurance to discuss any insurance concerns you may have. An agent serving the Las Vegas, NV, region can answer your questions about umbrella insurance.

They will explain how umbrella insurance can benefit you as a business owner and help update your business insurance policy to reflect the coverage amount you select.

What’s the Difference Between Home Insurance and Condo Insurance?

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If you’ve ever owned a home before, you’re probably familiar with home insurance and how it works. When you switch to buying a condo, you may be less familiar with the type of insurance required for condo ownership. Understanding the differences between condo insurance and home insurance can help you if you need to get a condo insurance policy or file a condo insurance claim.

The professionals at Red Rock Insurance, serving Las Vegas, NV, can help. Our insurance experts provide helpful information to people buying a condo so they can get the best type of condo insurance for their needs. We work with many insurance partners, allowing you to shop around for a condo insurance policy that fits your budget. Here’s what to know.

What’s Home Insurance?

Home insurance is a type of insurance that pays to repair or replace your home’s structure and belongings if your home is damaged during a covered event. Home insurance is typically a requirement if you have a mortgage lender, although many people who pay for their home in cash also choose to get home insurance.

What’s Condo Insurance?

Condo insurance is a type of insurance that pays to repair certain parts of your condo when it is damaged during a covered event. Condo insurance also pays to repair or replace belongings that are damaged in covered events, but it does not pay to repair or replace the condo’s structure or exterior. Typically, condo insurance only covers the condo’s interior. The mortgage lender and the condo association often require condo insurance.

Need Condo Insurance? Contact Us

If you need condo insurance, the professionals at Red Rock Insurance, serving Las Vegas, NV, can help. Call today to speak with one of our insurance experts. We’re here to help.

Should You Buy Life Insurance for Your Children?

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One of the most important financial decisions you can make is ensuring your family is provided for in the event of your passing. Many people find that purchasing life insurance is the best way to achieve this. If you live near Las Vegas, NV, our team at Red Rock Insurance is here to help you explore how life insurance can support your family after you’re gone. Since 2006, we’ve been assisting clients like you with their insurance needs.

Should You Buy Life Insurance for Your Children?

Most people focus on life insurance for themselves and their spouses, but it may also be worthwhile to consider a policy for your child. According to NerdWallet, purchasing life insurance for a child is often done in families that rely on the child’s income. For example, if your child is an actor or performer, their untimely passing could result in a financial setback for the family due to the loss of income.

NerdWallet also notes that when your child becomes an adult, they may have the option to convert the policy into one for themselves by taking over the premium payments. Additionally, a child insurance policy can be particularly beneficial for children with chronic health conditions, as they may face challenges qualifying for life insurance as adults.

Call Us Today for Your Appointment

Our team at Red Rock Insurance is here to help you understand the different types of life insurance and how they can meet your needs. Clients in the Las Vegas, NV, area trust us for expert insurance advice and exceptional customer service. Call us today to schedule an appointment, and let’s discuss how life insurance can benefit you and your family.

Insuring Exotic or Luxury Vehicles in Las Vegas: What to Know

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Owning an exotic or luxury vehicle is an exhilarating experience, but it can quickly become costly without proper protection. If you own a luxury or exotic car in Las Vegas, NV, you face unique risks that may require specialized insurance. Due to the distinct insurance needs of these vehicles, it is essential to work with the right agency. At Red Rock Insurance, we specialize in insuring exotic and luxury vehicles throughout Las Vegas, ensuring your investment is protected while you enjoy the thrill of driving on the Strip.

Why Exotic and Luxury Cars Differ

Exotic and luxury cars differ significantly from standard vehicles, which is why they often require specialized insurance policies. Here’s what sets them apart:

  • High Value: Exotic and luxury cars are high-value assets with repair costs that are significantly higher than average.
  • Performance-Based Risks: These vehicles are designed for high performance, which increases insurance and liability coverage needs.
  • Theft Risk: Due to their high value, exotic and luxury cars are prime targets for theft, necessitating specialized or increased insurance coverage.

Recommended Coverage Options

For owners of exotic and luxury vehicles, full coverage, collision coverage, and high liability limits are strongly recommended. Additionally, umbrella and excess liability policies can provide valuable protection. Working with an experienced insurance agent can help you determine the best coverage options for your specific needs.

At Red Rock Insurance, we’re committed to helping you understand your insurance options and find solutions tailored to your exotic or luxury vehicle. Whether you’re living in Las Vegas, NV, or planning to move there, proper insurance is a top priority. To learn more about insuring your exotic or luxury vehicle, or to explore coverage options for a future investment, contact us today to schedule your consultation.

Do I Really Need RV Insurance if I Have AAA?

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If you own an RV and already have a roadside assistance plan like AAA, it’s easy to assume you’re fully protected. After all, AAA can help with flat tires, towing, or dead batteries. But those services, while helpful, don’t replace actual RV insurance, and relying on them alone could leave you with major gaps in protection.

What AAA Covers vs. What It Doesn’t

AAA’s roadside assistance is great for emergencies, but it doesn’t cover accidents, liability, or physical damage. If you’re at fault in a collision, hit a tree while backing up, or cause damage at a campground, AAA won’t pay for repairs or legal costs. That’s where RV insurance comes in. A proper policy can include liability, collision, comprehensive coverage, and even protection for personal belongings inside the vehicle.

Depending on how you use your RV, coverage needs vary. If it’s a full-time residence, you’ll likely need broader protection that covers all your possible needs on the road. Occasional road trippers still need coverage for travel risks, weather events, theft, and other incidents.

Don’t Assume Your Auto Policy Covers It

Some RV owners believe their standard auto insurance will extend to their RV, especially if it’s towed. However, that coverage is typically limited and may not cover damage to the RV itself or its contents. Without an RV-specific policy—which you can get through Red Rock Insurance serving Las Vegas, NV—you could be left paying out of pocket.

AAA can be a valuable tool for emergencies, but it’s not designed to replace insurance. For full protection on the road and at your campsite, a dedicated RV policy is the right move. If you’re unsure what kind of coverage fits your lifestyle, speak with an insurance agent at Red Rock Insurance serving Las Vegas, NV. One conversation now can prevent serious problems later.

Classic Car Insurance Qualifications

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Classic cars often retain their value and continue to appreciate, unlike most cars, which tend to depreciate. These gorgeous cars require special care and frequently qualify for classic car insurance. However, there are a few criteria car owners must meet to qualify for this type of insurance.

What Is Classic Car Insurance?

Classic car insurance is sometimes referred to as car collector insurance. These policies may offer similar benefits to standard coverage, such as coverage for natural disasters and bodily injury. Many insurance companies offer higher coverage limits for these vehicles. Some provide customization packages to ensure every aspect of your car is covered, including upgrades.

Vehicle Qualifications

A car must be considered a classic to qualify. In most areas, the car must be 20–25 years old. Many insurance companies state that the vehicle must have historical significance and can’t be a daily driver. However, these qualifications differ depending on the insurance company. An agent at Red Rock Insurance can help you learn more about classic car insurance in Las Vegas, NV.

Key Differences

There are a few key differences between standard insurance and classic car insurance. Many insurance companies state that a vehicle can only be driven a certain number of miles annually. Others may have flexible mileage limits if you drive to a car show, etc. Insurance policies may cover an agreed-upon value amount instead of the vehicle’s actual cash value in the event of a total loss.

Car owners often enjoy a lower premium with this type of insurance. However, insurance companies will still consider factors like your age and driving history when determining your premium. Contact a Red Rock Insurance agent to determine if you qualify. We’re currently serving the Las Vegas, NV, area.

Insurance for the Place Renters Call Home

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Typically, renters are more likely to move than homeowners. Fortunately, the benefits of renters insurance ensure that wherever you call home, your belongings are protected. That’s why so many renters in the Las Vegas, NV, area turn to the trusted team at Red Rock Insurance for all their renter’s insurance questions and concerns.

Insurance for Renters’ Homes

Las Vegas, Nevada, is home to many frequent travelers and people on the move, which explains why many people in and around the Las Vegas area rent their homes. Unfortunately, for renters, if a fire or catastrophic event destroys their home, there is no help or recourse without renters insurance. Most property owners and managers have insurance for the structures and buildings they rent, but that doesn’t help renters.

That’s why working with knowledgeable and professional agents who can help you address your renter’s insurance needs is a good idea. Renters insurance provides protection for the things that make your residence a home.

Renters Insurance Solutions for Las Vegas, NV Area Renters

If you live in or around the Las Vegas area, rent your home, and would like to learn more about renters insurance or how it could help protect your valuables, we can help. Contact us for more information and schedule an appointment with our friendly and helpful team today at Red Rock Insurance for the renter’s insurance solutions you need and deserve.

Technology is Making Motorcycles Safer

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The thrill, freedom, and unique experience of riding a motorcycle can be addictive. This is evident in the number of motorcycle owners and the numerous motorcycle organizations, clubs, and events in Las Vegas and across the country. However, riding also comes with safety concerns. That’s why so many motorcycle owners in the Las Vegas, NV, area rely on the professional and friendly team at Red Rock Insurance for all their motorcycle insurance needs.

Good News! Technology is Making Motorcycles Safer

Today, there are many encouraging developments in motorcycle safety, which is good news for motorcyclists everywhere. From adaptive headlights that improve visual acuity to tire sensors—because when you’re on two wheels, you can’t afford to lose one—technology is enabling many improvements.

Smart helmets, airbag systems, and other smart monitoring devices are also creating a safer riding experience and, hopefully, safer roads for everyone. Of course, none of these safety features can or will replace the value of the proper insurance, and that’s why it’s a good idea to work with reputable and proven agents for all your motorcycle insurance needs.

Get Motorcycle Insurance for Las Vegas, NV Area Riders

If you live in or around the Las Vegas, NV, area and have questions or need motorcycle insurance, we can help. Contact us to learn more and schedule an appointment for the coverage and protection you need, like your safety equipment, every time you ride at Red Rock Insurance today.

Partner Carriers

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  • Mercury
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  • Safeco
  • The Hartford
  • Travelers