4 HRs Personal Auto and Umbrella Insurance – Nevada

✅ 4 HRs Personal Auto and Umbrella Insurance – Nevada

✅ Approved by Nevada Division of Insurance | Provider #184098 | Course #29240 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Nevada producer renewal with a course approved by the Nevada Division of Insurance for only $15.99. Nevada requires 30 hours in the three-year period before renewal, and these 4 count toward that total.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Nevada requires a supervised final examination under NAC 683A.335 — call or text 1-800-698-2770 and we will walk you through it. Your certificate is emailed to you the moment you finish. 1st Choice CE reports your approved completion to Nevada; the renewal application itself is submitted through Sircon.

✅ Course Details

• Course name: 4 HRs Personal Auto and Umbrella Insurance
• Approved by: Nevada Division of Insurance
• Provider number: 184098
• Course number: 29240
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion
• Approval active since: 08-04-2026
• Page URL: https://1stchoice-ce.com/courses/checkout/nevada/4-hrs-personal-auto-umbrella-nevada/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines agents who write auto every day
• Producers who explain uninsured motorist, PIP, and Medical Payments to clients
• Agents who cross-sell personal umbrella coverage
• Producers handling rideshare, delivery, and business-use auto questions
• Agents who need property and casualty CE credit toward the state renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 30 hours Nevada licensed resident insurance producers must complete. It does not satisfy the full requirement on its own, and it does not satisfy the separate 3-hour ethics requirement. You will need additional approved hours, including an approved ethics course, to complete your renewal.

✅ Nevada Continuing Education Requirements

Nevada resident insurance producers must complete 30 hours of approved continuing education within the three-year period before the date of renewal, and three of those hours must be in ethics. Under NAC 683A.330 the hours must be related to the line or lines of insurance for which the licensee holds a license, with the three ethics hours as a carve-out, so course category matters as much as hour count.

• 30 approved hours in the three-year period before renewal
• 3 of the 30 must be in ethics
• Hours must relate to a line of authority you hold; the 3 ethics hours are a carve-out
• Self-study, online, and correspondence courses must include a supervised final examination — NAC 683A.335, applying the self-study standards of NAC 683A.211
• Renewal is submitted electronically through Sircon

Nevada exempts some producers from CE entirely. Under NAC 683A.330 a producer holding a CPCU, CLU, CIC, CFP, or ChFC designation, or with 20 or more years of continuous insurance experience where insurance is the primary source of income, may qualify for an exemption. The exemption is not automatic — NAC 683A.330(3) requires a certification submitted to the Commissioner in a Commissioner-approved affidavit.

How this course helps: This 4-hour course contributes 4 of the 30 hours a Nevada resident producer must complete in the three-year period before renewal. It carries Health-line credit, not ethics credit, so the separate 3-hour ethics requirement must still be met with an approved ethics course. The remaining 26 hours must be completed within the same three-year period.

✅ When Do Licensees Renew?

Nevada producer licenses renew on a three-year cycle, and the 30 hours must be completed within the three-year period before the renewal date. The Division of Insurance emails a courtesy notice to the licensee's address of record roughly two months before expiration, but the deadline applies whether or not that notice arrives. Renewals are submitted electronically through Sircon, and a renewed license can be printed online free for 30 days after submission.

✅ How to Renew Your License

1. Check your expiration date and CE posted to date — Look up your Nevada license record and confirm the expiration date and how many approved hours are already credited. Do not rely on the courtesy email alone.
2. Confirm your lines of authority — Under NAC 683A.330 your hours must relate to a line of insurance you hold, with the 3 ethics hours as a carve-out. Check each course category against your license before enrolling.
3. Complete 30 approved hours, including 3 in ethics — All 30 must fall inside the three-year period before renewal.
4. Complete the supervised final examination — NAC 683A.335 requires an approved course to carry a written procedure for a supervised final examination, applying the self-study standards of NAC 683A.211. Arrange the proctor before your deadline, not after.
5. Renew electronically through Sircon — Submit the renewal application and pay the renewal fee through Sircon, and review your contact and appointment information while you are there.
6. Print and save your renewed license — Nevada allows a free online license printout for 30 days after submission. Save it and confirm the record shows an active status.

✅ What You Will Learn

• Apply personal auto definitions correctly — who is insured, which vehicles are covered, and how ownership and use change the answer
• Explain liability limits, defense obligations, permissive use, and the difference between split limits and a combined single limit
• Compare uninsured and underinsured motorist coverage, PIP, and Medical Payments on eligibility, coordination with health insurance, and how benefits are accessed after a crash
• Distinguish comprehensive from collision on covered causes of loss, deductible application, and the disputes each one generates
• Match endorsements — rental reimbursement, towing and labor, custom equipment — to predictable out-of-pocket losses
• Explain how a personal umbrella sits over auto and home, why underlying limits matter, and when an umbrella will not respond

✅ Course Content Overview

Hour 1: Personal Auto Policy Foundations and Liability Coverage

• Review personal auto policy structure and key definitions to clarify who is insured, what vehicles are covered, and how coverage applies based on ownership and use.
• Examine liability coverage (bodily injury/property damage) to explain limits, defense obligations, permissive use issues, and how liability exposure is measured in real claim situations.
• Discuss split limits vs. combined single limits, negligence basics, and common loss patterns to strengthen limit selection and reduce underinsurance for higher-severity claims.
• Introduce claim scenario practice to apply liability concepts to accidents involving multiple vehicles, multiple injured parties, and questions about fault allocation and coverage triggers.

Hour 2: First-Party Auto Coverages—UM/UIM, PIP/MedPay, and Physical Damage

• Review UM/UIM coverage to clarify how it responds when the at-fault driver is uninsured or underinsured, including typical documentation and settlement considerations.
• Compare PIP and Medical Payments coverage to explain eligibility, coordination with health insurance, common misunderstandings, and how benefits may be accessed after a crash.
• Analyze comprehensive vs. collision coverage to distinguish covered causes of loss, deductible application, claim handling expectations, and common disputes (theft, hail, glass, animal impact).
• Use case studies to determine which first-party coverages apply in mixed-loss scenarios (hail + collision, theft + recovery damage, uninsured driver + injuries).

Hour 3: Endorsements, Special Exposures, and Policy Customization

• Review common endorsements (rental reimbursement, towing/labor, custom equipment, gap-style concepts where applicable) to show how policy options address predictable out-of-pocket losses.
• Discuss driver and vehicle exposures (youthful drivers, permissive use, household members, rideshare/delivery use, business use limits) to reduce misclassification and coverage surprises.
• Cover underwriting and rating considerations (MVR, garaging, mileage, credit-based factors where applicable, prior losses) to connect consumer behavior with premium outcomes.
• Practice policy customization through scenario-based recommendations that balance premium, deductibles, limits, and endorsements while maintaining suitability and clear disclosures.

Hour 4: Personal Umbrella Liability—How It Works, When It Responds, and Compliance

• Introduce umbrella policy fundamentals to explain what “excess” and “broader coverage” mean, how umbrellas typically sit over auto/home, and why underlying limits matter.
• Review umbrella triggers, required underlying limits, retention concepts, and common exclusions to clarify when an umbrella will not respond and how to prevent coverage gaps.
• Analyze high-severity liability scenarios (serious injury auto loss, multi-party accident, lawsuit defense costs, reputational/defamation-style allegations where applicable) to show where umbrella value is most visible.
• Reinforce sales practices and documentation expectations focusing on accurate representations, limit selection rationale, disclosure habits, and complaint prevention when cross-selling auto/home/umbrella coverage.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $15.99
• 3-Hour Flood Insurance (NFIP) – $15.99
• 4-Hour Annuity Best Interest/Suitability – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $15.99
• 5 HRs Life Insurance Products and Retirement Planning – $15.99
• 4 HRs Medicare Advantage and Part D Update – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $15.99
• 3 HRs Emerging Risks and Specialty Coverages – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $15.99
• 4 HRs Commercial Lines Insurance Essentials – $15.99
• 4 HRs Homeowners Insurance Overview – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training – $29.99
• 30 Hour Life & Health CE Package – $69.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Nevada
• Affordable at $15.99 with no additional or hidden fees
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• Completions reported to the state
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Get your 4 approved hours done today for $15.99.

Enroll in 4 HRs Personal Auto and Umbrella Insurance – Nevada

Questions first? Call or text 1-800-698-2770.