Like everywhere else, Nevada requires every vehicle on the road to be covered by minimum liability insurance. It’s limits are very low though. Those are $15,000 for one person injured in an accident, $30,000 for two or more people and $10,000 for property damage. Many people in Nevada don’t even have minimum liability insurance. In fact, they don’t have any insurance at all. That’s why you’re encouraged to have uninsured motorist insurance.
Uninsured motorist insurance
If you have uninsured motorist insurance, you and any resident of your household that is a blood relative is an insured person under that coverage. As per the Las Vegas car accident lawyers at Naqvilaw.com, if you or one of those additionally insured people is injured in an accident that was caused by an uninsured driver, you can make your claim for damages against your own insurance company up to the limits of your policy. Those damages include:
- Past and future medical bills
- Past and future lost earnings
- Any permanent disability
- Any permanent disfigurement
- Pain and suffering
- Loss of a normal life
- Funeral and burial bills in the event of a wrongful death
You and your immediate family members who are residents of your household are probably even covered as pedestrians or bicyclists so long as the accident was the fault of that uninsured driver.
Underinsured motorist insurance
You might not realize it, but when you purchase uninsured motorist insurance, you’re getting underinsured motorist insurance too. If a person with minimum liability coverage causes a crash, and your damages are in excess of his or her policy limits, you can claim the balance against your own insurance company under your underinsured motorist coverage.
When you and your insurer can’t agree
If you and your insurer can’t agree on your uninsured or underinsured motorist claim, you can take action against it within the time specified in your policy. The policy will likely call for mandatory arbitration and detail how the arbitration proceeding is to be handled. Don’t try to represent yourself at this stage. Proceedings are far too complex. You’ll want a knowledgeable and experienced Las Vegas car accident attorney at your side who has detailed knowledge of the rules of civil procedure, evidence and insurance law.
Take a look around you next time you’re on the road in or around Las Vegas. According to the Insurance Information Institute, more than 10 percent of the drivers around you are virtually uninsured. Maybe another 10 percent or more of those drivers are riding on minimum liability limit policies.
If you’re involved in an accident, you’ll want the right insurance policy. Don’t gamble on who might be insured or uninsured when you can cover your bets all the way around. Don’t think that you’re in good hands or with a good neighbor either when you make a claim against your own insurance company. It turns into your opponent very quickly. Contact us for a free consultation after being injured in any accident. You’ll be making the right decision.