Answer: The State of Nevada requires bodily injury (BI) coverage in the amount of $15,000 per person and $30,000 per accident and $10,000 for property damage. So, if you had only the state’s minimum coverage, your policy would pay no more than $15,000 for one person’s personal injuries such as that person’s medical bills, lost wages, pain and suffering, etc. plus up to $10,000 in property damage which is typically for the other person’s car repairs. It doesn’t take a genius to see that these low coverages won’t go far when an emergency room visit can easily cost $10,000 and new cars start at $15,000 and go up quickly from there.
