Your Guide To Uninsured Motorist Accident Claims In Nevada
Car insurance is required in Nevada. Yet, many motorists lack coverage. According to data from the Insurance Information Institute (III), 10.4 percent of drivers in Nevada lack proper auto insurance coverage. To put that into perspective, approximately 1 in every 10 vehicles you pass by in Las Vegas is being driven by an uninsured motorist. This raises an important question: What happens if you are hurt in a crash caused by an uninsured driver? Here, our Las Vegas uninsured motorist accident attorney explains what you need to know about the law and your options.
Nevada Law: Drivers Must Have Adequate Liability Coverage
Every driver should have adequate liability coverage. The Nevada Department of Motor Vehicles (DMV) explains that all motorists are required to have at least:
$25,000 per person and $50,000 per accident in bodily injury liability coverage; and $50,000 per accident in property damage liability coverage.
Insurers in Nevada are required to offer $25,000 per person and $50,000 per accident in uninsured/underinsured motorist (UM/UIM) coverage. Though, drivers may opt out.
Your Options for Recovering After a Crash Caused By an Uninsured Driver
Nevada is an at-fault car accident state. The driver (or other party) found legally responsible for a crash bears liability for the damages. What happens if that driver is uninsured? Here are your three basic options for collecting compensation:
- A Claim Directly Against the Uninsured Driver: You can always hold an uninsured driver personally liable for a crash that they caused. However, the challenge with this is that most uninsured drivers lack the resources to cover your damages.
- A Claim Through Your Own Insurance Company: You can bring a claim through your own insurance company. This is an especially effective option for motorists who have comprehensive UM/UIM coverage. Your own insurance company may cover the damages.
- A Claim Against a Third Party Who Contributed to the Accident: Any third party that contributed to the accident can also be held liable for your damages. It is crucial that uninsured driver crashes are thoroughly investigated to determine all parties that may bear legal liability for your accident.
Uninsured motorist claims are highly complex. If you were seriously hurt in a crash caused by an uninsured or underinsured driver, it is imperative that you have skilled legal guidance. A Las Vegas attorney who has experience with uninsured motorist claims can help you seek full compensation.
Contact Our Las Vegas Uninsured Motorist Accident Lawyer Today
At Cameron Law, our Las Vegas auto accident attorney has the skills, knowledge, and legal expertise to handle all types of uninsured driver claims. If you or your loved one was hit by an uninsured driver, we are more than ready to help. Contact us today to set up your free, no obligation case evaluation. From our Las Vegas office, we handle uninsured motorist claims throughout Clark County, including in Henderson, North Las Vegas, Enterprise, Spring Valley, and Paradise.