Las Vegas Uninsured Driver Accident Lawyer
All Nevada drivers are required by law to carry liability insurance that will pay for damages if they get into an accident and are found to be at fault. The minimum amounts required by law are $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. The minimum coverage costs less than $2,000 per year, but plenty of people choose to roll the dice and drive without coverage, hoping they don’t get into a wreck or otherwise get caught driving without insurance. In fact, over ten percent of Nevada drivers are uninsured. This means if you get hit by another driver, the odds are one in ten they won’t have insurance to cover your damages. It’s hard to get odds like that anywhere else in Vegas, but you won’t like these odds. Fortunately, car accident attorney Daven P. Cameron of Cameron Law has the skills and experience necessary to help you get care and compensation after an accident that wasn’t your fault, even if the driver who hit you was uninsured. Call our Las Vegas uninsured driver accident lawyer today for help.
Uninsured Motorist Insurance Can Pay Your Damages
Knowing the risk that a sizable portion of drivers will fail to keep or maintain liability insurance, Nevada law requires insurance companies to offer uninsured motorist (UM) coverage. This insurance is meant to pay for times when the at-fault driver who hits you is uninsured. If you have auto liability insurance, then you have UM coverage as well, unless you specifically declined it. Some people decline this coverage thinking they don’t need it or that it isn’t worth it, but for the relatively small additional cost, we believe it is well worth it to add this coverage to your policy. Insurance is for peace of mind and to protect you when you need it, and UM coverage falls squarely in the category of insurance that will do just that.
We recommend that you purchase UM coverage equal to the liability limits you are buying. If you declined it earlier, you can always add it at your next renewal or even right now (before you get into an accident). Insurance companies are required to offer UM coverage, and you have to decline it in writing for your rejection to count. If the insurance company can’t prove they offered you UM coverage or that you declined it, we might still be able to get you coverage even if your policy documents don’t show you have it. So call Cameron Law for a free consultation after any accident to explore your options.
Underinsured Motorist Insurance Can Keep You Fully Covered
When you purchase uninsured motorist (UM) coverage, you get underinsured motorist (UIM) coverage too. UIM helps you if the other driver only had the minimum amount of coverage, and your damages exceed their policy limits. If you have more coverage on your UIM policy, your insurance company will make up the difference and pay more of your damages up to your policy limits. UIM coverage can help maximize your compensation and is one more reason not to decline this optional coverage when you buy liability insurance.
Cameron Law Can Help You With Your UM/UIM Claim
Some people make the mistake of thinking their claim will be easier when they are dealing with their own insurance company instead of the other driver’s. The truth is that any insurance company is driven by their profit motive to deny or underpay claims whenever they can. That’s why they hire “adjusters” to come out and tell you how much your claim is worth. If you don’t have an attorney representing you, the amount they offer to settle your claim will be less than what an experienced car accident attorney could get for you. Don’t put yourself through the hassle of trying to settle an insurance claim and pitting yourself against the experts on the other side who handle claims every day. Instead, focus on your physical recovery and getting your life back in order, and let Cameron Law take over the job of settling your claim. We do this every day just like the insurance companies. We know what your claim is worth and how to build a case that proves your right to full compensation.
Contact Cameron Law Today
For practical advice and effective representation with your car accident claim, count on the experienced legal professional at Cameron Law. Call our dedicated Las Vegas uninsured driver lawyer today.