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On June 1, 2017, The State of Nevada enacted Senate Bill 308 (SB308) increasing the minimum insurance limits each driver is required to carry. Effective July 1, 2018, the minimum insurance limits will increase to 25/50/20 ($25,000 per person/$50,000 per accident for bodily injury liability and $20,000 for property damage liability). Currently the state law requires a driver to carry 15/30/10 ($15,000 per person/$30,000 per accident for bodily injury liability and $10,000 for property damage). Nevada was one of 8 states remaining that offered such low limits. The vast majority of states require drivers to carry a minimum of 25/50/25 limits.
In response to Senate Bill 308, Nevada insurance carriers will no longer offer Bodily Injury or Uninsured/Underinsured Motorist (UM/UIM) liability limits less than $25,000/ $50,000 (per person/per accident) nor Property Damage (PD) liability limits less than $20,000 in 2018. When the law goes into effect on July 1, 2018, all insured vehicles must already have the new limits in place, therefore after January 1, 2018 if you currently have less than 25/50 limits, upon your upcoming 2018 auto insurance renewal the higher Liability (and Uninsured/Underinsured Motorist limits, if you currently have the coverage) requirement will be automatically be added to your policy.
Auto Insurance rates in Nevada have been on the rise for the past several years. With the rising costs of medical care as well as increases in the cost to repair vehicles with new technology, insurance companies have been forced to raise rates over the last several years, putting a financial burden on many drivers in Nevada. As companies have raised rates, some drivers have elected to reduce their coverage to the state minimum limits in order to make their insurance more affordable. With the increase in premiums Nevada could see a spike in uninsured drivers, driving up the cost for Uninsured Motorist coverage as well. Feel free to contact us for a policy review.
We are here to answer any questions you may have regarding Nevada Senate Bill 308. Please give us a call at (702) 396-4200.
I know you have a lot of choices when it comes to choosing and insurance agent. That’s one of the reasons we work hard to provide excellent service, and I’m proud of our record as one of the best insurance agencies in Las Vegas. You can feel confident in doing business with our agency as we were awarded the 2016 Customer Service Award for our local district. We truly strive to become the top rated insurance agency in Las Vegas.
So, what do other people say about us? I’ve included excerpts from some of the five-star reviews we’ve received on Google. I’m grateful for what our customers say about us, because we do work hard to provide excellent service to our customers. And I am proud of our record as one of the best insurance agencies in Las Vegas. Here’s what our customer say:
V Moss 2 reviews - 6 months ago -Finally an insurance agent with a personality! Might as well be able to get great insurance while having a good time doing it. Aaron is very professional and knowledgeable. Aaron builds great relationships with people and really cares about them and their families. Give him a call!
Kevin Sharps - 1 review - 9 months ago - I arrived at Aaron's office at about closing time, yet he took 30 minutes to describe my auto policy options and to look for the best deal possible. He is a dedicated professional that deserves your business.
Mario Sanchez Local Guide · 25 reviews · 1 photo - 11 months ago - Aaron Campbell helped me get the best insurance for the best price. I will be insured by home and Farmers for a long time. I feel like family and that means a lot for me. And I combined my home owners and business insurance with him. Thanks Mr. Campbell
sue onorato1 review - 11 months ago - I did a lot of research when I wanted to switch my car insurance and Farmers was the best price by far as well as the easiest to deal with! Aaron Campbell was so helpful in getting me switched over, I then switched over my homeowners as well! I highly recommend Aaron and his team at Farmers Insurance -top notch pros at what they do!
angelica garcia - 1 review - 6 photos 11 months ago - My agent Aaron Campbell is very knowlegable and helpful. I am very happy with the low rate he quoted me. I saved a lot of money on my home insurance too! He is a great guy.
If you own a home or commercial property, you almost certainly have homeowner’s insurance or commercial property insurance. But what if residential or commercial property you own becomes vacant? That can change your insurance needs. You’ll need to secure Vacant Home Insurance. Homes become vacant for many reasons. A parent or grandparent is living in a nursing home but doesn’t want to sell their house. You’ve inherited a vacant property you plan to sell. You’ll be traveling for an extended period. You’re a landlord and a rental property becomes vacant for an extended time, perhaps while you’re remodeling it. The list goes on and on.
Vacant homes and commercial properties tend to be subjected to more risks than occupied ones. Vandalism, Liability if intruders get hurt and sue you, increased fire danger, and more.
Some typical homeowner’s or commercial property policies don’t cover these risks on vacant property. And many insurance companies won’t cover vacant property, residential or commercial, but we do. We offer flexible payment plans and a pro-rated cancellations. This comes in handy in case you move back into the home, sell it, find a tenant, or want to cancel for some other reason before the term of your policy is up.
If your vacant home is destroyed by a covered loss, you receive the full amount of insurance you purchased on your home, minus any applicable deductible. In the event of a covered partial loss, your vacant home insurance covers the cost to replace or repair your damaged property, with a deduction for depreciation reflecting the age and condition of your property, minus any applicable deductible.
If you’re a landlord and your property goes vacant between tenants, you can cover it with a Vacant Home policy. When someone moves in, we can easily convert it to a Landlord or Owner-occupied policy, all without having to cancel the policy or write a new one.
Looking for help choosing the right Vacant Home insurance for your property? I can help. You can reach us at 702-396-4200.
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If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.
A: Ride-sharing companies provide taxi-like services by connecting passengers to drivers via a smart phone app. Rides can be arranged in advance or on short notice. The official name for a ride-sharing business is a Transportation Network Company (TNC). TNCs contract with drivers who use their personal vehicles to transport passengers. Therefore, many of the drivers who work for TNCs do not have a livery driver’s license, and their cars are neither registered nor insured as commercial vehicles. These drivers are distinct from limousine or taxi drivers, who use a commercial vehicle and already have commercial insurance coverage.
Insurers and insurance regulators are concerned about misconceptions regarding the use of personal auto policies by TNC drivers. Personal auto insurance policies are not designed, underwritten or priced for commercial ride-sharing; indeed, they typically exclude “livery services.” The assumption is that private-passenger motorists drive themselves, family members and friends, and have an average annual travel of 12,000 miles–and, of course, that no money is earned from these private trips.
Like conventional taxicab companies, TNCs are commercial enterprises. Therefore, in order to have coverage, TNC drivers need commercial insurance coverages–just like taxi and livery car drivers. Commercial auto insurance policies generally carry higher liability limits. They are also underwritten with the recognition that commercial vehicles travel more miles than private-passenger cars, and that the passengers in a TNC vehicle are customers, rather than friends or family members.
A: Generally a standard personal auto policy will not provide coverage for ride-sharing. A standard personal auto insurance policy stops providing coverage from the moment a driver logs into a TNC ride-sharing app to the moment the customer has exited the car and the transaction is closed.
Recognizing this coverage gap, lawmakers have been working to enact legislation that specifies what insurance coverage is needed to operate legally from “app-on to app-off.” There are three distinct periods where a personal auto policy offers no coverage to TNC drivers, according to a National Association of Insurance Commissioners (NAIC) March 2015 white paper.
•Period 1: when the TNC driver logs into the TNC application but is not matched with a passenger;
•Period 2: when the TNC driver has made, and accepted, a match with a prospective passenger but that passenger is not yet physically in the vehicle;
•Period 3: when the TNC driver has picked up the passenger and the passenger is occupying the TNC driver’s vehicle.
Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.
A: No. The insurance industry is a staunch proponent of innovation and new business. However, it is important that it be clear that a personal auto policy is designed to cover only the personal use of a private-passenger vehicle, not the commercial use of a vehicle. This commercial use exclusion extends beyond ride-sharing. It includes any business use of a private-passenger vehicle—such as using a pickup truck to plow snow off driveways or to make business deliveries.
Numerous state insurance regulators have also noted that passengers are taking a risk when they pay for a ride with an uninsured—or underinsured—TNC driver. In the event of an accident, an injured TNC passenger may not be able to recoup damages, as they would from a traditional licensed and commercially insured taxi or limousine service.
The insurance industry welcomes the innovation that TNCs have brought to the for-hire ground transportation marketplace. Indeed, a handful of auto insurers in some states are now offering policies that cover drivers using their cars as either private passenger vehicles or as part of a TNC company’s operations. Specialty or niche insurance products are a growing part of the insurance business.
A: Prospective drivers should ask the TNC what level of coverage it provides. Drivers should also contact their own auto insurer to address gaps, if any, in their liability protection. It is also recommended that TNC drivers review a copy of their TNC’s insurance contracts so they know the exact terms and conditions of the coverage.
Customers have questions, and we have answers. Give us a call at (702) 396-4200.
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Home insurance in Las Vegas
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Your home is probably your biggest financial investment. Before you find yourself in an emergency,
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