Name: Red Rock Insurance
Address: 2760 Lake Sahara Dr. Ste 100, Las Vegas, NV, 89117
Telephone: 702-733-0330

Does Motorcycle Insurance Cover Personal Injury?

Posted on November 28, 2025November 12, 2025 by admin

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?

Posted on October 31, 2025October 20, 2025 by admin

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

Posted on September 30, 2025September 22, 2025 by admin

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?

Posted on August 29, 2025August 24, 2025 by admin

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.

Red Rock Insurance

Get a Quote Instantly

Tag: insurance