Ready to Take a Gamble with Las Vegas Car Insurance

So do you think you will save more money by driving with or without Las Vegas car insurance?

Welcome to Las Vegas!

Driving around without car insurance is no different than taking your money to the casino and placing a bet. At the casino, the gamble is if you are going to lose your money or come out with more than you walked in with.

With car insurance though, the gamble is if you going to be able to keep your money in your pocket by not paying for car insurance or are you going to lose more than what you have by getting into an accident without the insurance coverage.

Las Vegas Intersections That Decrease Your Odds

Per a report from the Las Vegas PD, there are 5 intersections that drivers need to be very cautious at. This would be especially true if you have placed your bet and are driving without car insurance. These intersections have been listed as the “Top Injury Collision Intersections” in the city for the time period of 12/26/12 through 6/18/12.

#1- Rainbow and Charleston (14 injury accidents)

#2 – Sahara and Decatur (12 injury accidents)

#3 – Flamingo and Arville (11 injury accidents)

#4 – Boulder Hwy and Lamb (10 injury accidents)

#5 Flamingo and Eastern (10 injury accidents)

Las Vegas Car Insurance Ante

Not only do you want to have Las Vegas car insurance to make sure you are protected when you are driving through one of the above dangerous intersections, but it is also mandatory if you want to drive at all. Las Vegas car insurance requirements are set forth by the State of Nevada and are the same across the state. So the car insurance you are required to have in Vegas will be the same as what you are required to have in Reno or Carson City.

The least amount of Las Vegas car insurance that is allowed to be able to drive is listed as 15/30/10. Broken down these numbers mean the following for you:

15 = $15,000 of bodily injury liability coverage for anyone not in your vehicle injured by you while you are driving.

30 = $30,000 also for bodily injury liability coverage, but this is the total that the insurance company will pay out for injuries from a single accident if there are two or more people injured.

10 = $10,000 of property damage liability coverage to pay for any damage you cause to another person’s vehicle.

The Decreased Odds on Las Vegas Car Insurance

Yes, you could save money by not carrying Las Vegas car insurance; there is no question about that. But, if you get into a car accident and you don’t have Las Vegas car insurance you will have to pay for all the damage that you cause right out of your pocket. And with how expensive car repairs and medical bills are today, it’s a promise that you will pay out more than you saved by not having the car insurance in place.

Not only do you have to not get into a car accident for this gamble to pay off, you also have to make sure you don’t get pulled over or caught by Nevada’s electronic insurance verification system. If you get caught you are looking at license suspensions, fines, reinstatement fees, and higher insurance rates when you do get insurance.

Now, is it really worth the gamble to drive around without Las Vegas car insurance then?