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

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Differences Between Traditional and Classic Car Insurance

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Choosing the right insurance policy for your vehicle is essential. This is especially true if you’re currently investing in classic cars. Knowing the differences between traditional and classic car insurance can help you stay ahead of potential claims while knowing your investment is safe and secure, year-round. At Red Rock Insurance, serving Las Vegas, NV, we specialize in helping our clients select the right insurance based on their ownership and the type of coverage necessary for each situation.

Vehicle Value

Traditional car insurance typically uses the actual cash value (ACV) of your vehicle to determine the level of coverage you’ll receive. Your payouts with a traditional insurance policy are based on the depreciated value at the time of a claim. For everyday standard cars and trucks, this works fine. However, if you own a classic car that becomes increasingly valuable over time, a classic car insurance policy is highly recommended.

Usage and Mileage

Traditional insurance assumes daily use, such as running errands, commuting, and unlimited mileage. Classic car insurance is designed for limited use, such as attending exhibitions, parades, and local car shows.

Eligibility

Classic car insurance has stricter requirements. Insurers will typically require:

  • Secure, enclosed storage
  • A clean driving record
  • Another vehicle that is currently insured for daily usage

Determining if classic car insurance is right for you will depend on the vehicles you own and the type of usage they receive.

Knowing the differences between both traditional and classic car insurance is imperative as a driver. Whether you’re investing in your first classic car or if you want to optimize coverage, we’re here for you. To learn more about your standard and classic car options, call us. Red Rock Insurance is here for you, serving Las Vegas, NV and the surrounding areas. 

Does Standard Renters Insurance Cover Losses From Bedbugs?

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Standard renters insurance covers a wide range of things, but unfortunately, it doesn’t cover losses from bedbugs or other types of vermin or pests. Standard renters also doesn’t cover your belongings damaged by bedbug infestations. However, a newer comprehensive renters insurance policy offers very limited coverage for bedbug remediation and some contents replacement. At Red Rock Insurance serving Las Vegas, NV, we’re familiar with the type of damage done by unwanted pests and why someone would want insurance coverage. Here’s a look at how to handle damage from bedbugs and more.

Rodent and Pest Damage Isn’t Covered by Renters Insurance

Damage caused by rodents and pests isn’t covered by standard renters insurance due to liability issues. Technically speaking, you’re not the party that’s responsible for bugs and critters getting into your home. Instead, insurers place the blame squarely on the property owner because they’re the ones responsible for maintaining the building.

Why Standard Renters Insurance Doesn’t Cover Bedbug Damage

Landlords have a responsibility to keep their property free from pests and vermin. An infestation happens due to poor maintenance, and insurance is designed to cover unexpected losses. Damage by rodents and bugs is a gradual process, something that’s usually visible long before it becomes a problem. If your property is unusable or otherwise damaged by bedbugs, your landlord is responsible for its replacement. Your landlord may carry insurance that covers damage caused by bedbugs, and you can work with them to make a claim.

Call Us to Learn More About Your Renters Insurance Options

At Red Rock Insurance, we’re here to help you understand what a renters insurance policy will and won’t cover. Even though standard renters insurance doesn’t cover bed bug damage, it does cover a lot of other perils and calamities, like injuries that happen in your home, stolen items from your vehicle, and defamation claims. Call us at our office serving Las Vegas, NV, to speak to an agent. Learn more about how standard and comprehensive renters insurance can protect your belongings and liability.

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. 

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