In Nevada, including Las Vegas, vehicle owners must carry liability insurance with a minimum coverage of $25,000 per person and $50,000 per accident before registering their vehicles. This insurance is designed to cover damages to the other party if you’re at fault in an auto accident up to the policy limits.
However, there are instances where the at-fault driver’s insurance does not fully cover the damages due to an uninsured or underinsured driver. Underinsured (UIM) or uninsured motorist coverage (UM) is beneficial as it ensures you receive compensation from your insurance if you’re not at fault in a car accident.
Understanding these car insurance policies can be complex due to variations between individuals. If you have inquiries about uninsured motorist coverage claims in Las Vegas or want to understand your policy’s coverage after an accident, seeking advice from an experienced personal injury attorney in Las Vegas is recommended. They are well-equipped to provide the necessary information and guidance.
What Is Uninsured Motorist Coverage and How Can It Be Claimed?
If you get into an accident with an uninsured motor vehicle, having uninsured motorist coverage gives you extra protection through your auto insurance policy. This insurance covers you (and others in your car) if the at-fault driver has no insurance. This coverage is used when a driver in an accident has no insurance and is at fault.
Another common question is: does Nevada offer UMPD? Uninsured Motorist Property Damage (UMPD) insurance policy will cover the cost of a damaged or destroyed vehicle when the person who caused the damage has no insurance. This insurance doesn’t cover the costs of billboards, road signs, buildings, or homes. If you have full coverage insurance, it includes UMPD in Nevada law.
Las Vegas Uninsured Motorist Coverage
Nevada requires insurance providers to offer uninsured motorist coverage. However, it’s not mandatory to pay for this insurance. It’s an add-on that can help pay bills if someone without insurance crashes into you. If this occurs and you are hit by another driver or end up in an accident, this insurance ensures you get compensation for injuries.
If the other person has no coverage, you can’t be compensated for damages by them. The only way to ensure you get what you are owed is if you carry uninsured/underinsured motorist coverage on your insurance policy. This is why it is so important to have this additional insurance.
If an uninsured driver hits you, the best step is to contact an uninsured motorist coverage claim lawyer. They can determine the steps to take as you move forward, including compensation for the damages you deserve.
What Is Underinsured Motorist Coverage?
Underinsured motorist coverage is another form of insurance you can purchase but is not mandatory to drive in the state.
While uninsured insurance covers accidents with drivers without insurance, underinsured coverage covers accidents with someone with low policy limits that don’t cover all damages.
Unlike some states, Nevada bundles uninsured and underinsured motorist coverage into a single policy. If you purchase one, you get the other. So, you’re covered against uninsured drivers and those whose policies don’t cover all the damages you experienced.
Filing a Claim Against an Uninsured Motorist
Filing a claim against an uninsured motorist can be challenging, but there are steps you can take to protect yourself and potentially recover damages. Here’s a general guide on how to proceed:
- Contact the Police: Always contact the police immediately after the accident to file a report. This is crucial for documenting the incident, even if the other party is uninsured.
- Gather Information: Collect as much information as possible from the other driver, including their name, address, and contact information. Also, try to get information from witnesses and take photos of the accident scene, the vehicles involved, and any visible injuries.
- Notify Your Insurance Company: Inform your insurance company about the accident immediately. Even if the other motorist is uninsured, your policy may have uninsured motorist (UM) or underinsured motorist (UIM) coverage to help cover damages and injuries.
- Uninsured Motorist Coverage: This is optional in some places but mandatory in others. It is designed to cover your losses caused by an uninsured driver. Depending on your policy and state, this can include medical bills, lost wages, and sometimes even property damage.
- File a Claim: If you have UM or UIM coverage, you must file a claim under your policy. Provide your insurer with all the necessary documentation, including the police report, photos, medical records, and receipts related to the accident.
- Consider Your Legal Options: If your insurance coverage is insufficient to cover your losses, or if you do not have UM/UIM coverage, consider taking legal action against the uninsured driver. Consult with a personal injury attorney to discuss your options is often advisable. Remember, however, that if the other driver lacks insurance, they may not have the means to pay a judgment, making it difficult to recover damages.
- State-Specific Funds: Some states have uninsured motorist funds to help victims of accidents with uninsured drivers. These funds may provide a source of compensation for your injuries and damages. Check if your state has such a fund and, if so, the eligibility criteria for making a claim.
- Preventative Measures: Review your auto insurance policy to ensure adequate UM/UIM coverage. This coverage can be invaluable in protecting you against losses caused by uninsured motorists.
What to Do If You’ve Been Hurt in an Accident with an Uninsured Motorist
If you get into an accident with them, you must file with your insurance company. An uninsured motorist claim needs to be filled out. There are several steps you should take to protect your rights at the scene of the accident.
- Contact law enforcement
- Acquire the driver’s name, contact information, and license number
- Get immediate medical attention
- Save any possible evidence from the scene
- Contact a Nevada auto insurance attorney to learn your options
Consult an Experienced Uninsured Motorist Claim Lawyer
When seeking compensation for an accident involving uninsured or underinsured drivers in Las Vegas, having skilled representation can significantly impact the outcome of your car insurance claim. These legal professionals are proficient in handling claims against insurance companies, ensuring victims receive fair settlements.
Whether you’re dealing with your own insurance company or that of an underinsured driver, a personal injury lawyer like Temple Injury Law can resolve your case. Schedule a consultation to address such complex matters and secure your rights and potential compensation.
