With over 10 percent of Nevada motorists driving without insurance, every driver in the state should be aware of the potential risk of being involved in an accident and being solely responsible for their own damages. Understanding uninsured motorists is extremely important for anyone driving on Las Vegas roads. In simple terms, this type of insurance kicks in when someone is in an accident with a driver who either has no insurance or insufficient coverage. Accidents happen; it’s an unfortunate reality. When they do, medical expenses and car repair bills can accumulate rapidly.

Uninsured Motorist Coverage provides a safety net, covering these costs up to the policy’s limit. In a city where flashy cars and high speeds are common, being well-prepared for any situation is wise. Especially in Las Vegas, where tourists who may not be familiar with local traffic laws are often on the road, securing solid Uninsured Motorist Coverage can offer a valuable peace of mind.

Nevada Law and Uninsured Motorist Coverage: What Every Driver Must Know

Nevada operates under a “fault” system for car accidents, meaning the person found at fault for causing an accident is financially responsible for the resulting damages. However, not all drivers abide by the law, leaving some without any insurance coverage at all.

Nevada law stipulates all motorists must carry a minimum amount of liability insurance. Yet, there are instances where drivers ignore these mandates, putting others at risk. When an insured driver encounters an uninsured one in an accident, Uninsured Motorist Coverage becomes a lifeline, covering expenses like medical bills and car repairs. State regulations actually offer the option to reject Uninsured Motorist Coverage in writing. While skipping it might seem like a way to save money, the financial risks of an accident with an uninsured driver could far outweigh the initial savings. 

Nevada Law and Uninsured Motorist Coverage: What Every Driver Must Know

In Nevada, understanding the legal landscape related to Uninsured Motorist Coverage is vital for anyone behind the wheel. The state operates on a “fault” system in car accidents, which places financial responsibility on the driver who caused the accident. Despite legal requirements, some drivers on Nevada roads lack adequate insurance, posing a risk to others.

Nevada law mandates drivers have at least a basic level of liability insurance. Even so, some flour these rules, leaving them uninsured or underinsured. In such scenarios, Uninsured Motorist Coverage serves as a financial safeguard, addressing costs like medical treatments and vehicle repairs for the insured driver. Interestingly, Nevada allows drivers to forgo Uninsured Motorist Coverage if declined in writing. While opting out may appear to cut costs in the short term, the long-term financial repercussions of an accident involving an uninsured driver could be substantial.

Steps to Take Immediately Following an Accident with an Uninsured Motorist

In the moments following a collision with an uninsured motorist, taking appropriate actions becomes imperative for protecting oneself physically and financially. First, prioritize safety by moving vehicles away from traffic, if possible, and turning on hazard lights. Check for injuries and call emergency services for medical assistance as needed.

Next, contact law enforcement to file an official accident report. While waiting for officers to arrive, gather information from all parties involved. For an uninsured driver, make sure to collect as much data as possible, such as name, contact details, and vehicle information. Also, take photographs of the accident scene, damages, and any injuries.

It’s also advisable to gather witness accounts, as these can later serve as valuable evidence. Write down names and contact information of anyone who saw what happened. Moreover, make note of specific details about the accident: location, time, weather conditions, and any factors contributing to the incident. Once all immediate concerns are addressed, report the accident to the insurance company. Furnish them with all collected information and cooperate fully during the claims process. 

Debunking Myths: Common Misconceptions About Uninsured Motorist Coverage

Uninsured Motorist Coverage is often misunderstood, leading to various myths misguiding drivers. One such myth is the belief that having basic liability insurance is enough to cover all expenses in an accident with an uninsured driver. Liability insurance only covers damages to the other party if the insured is at fault. Uninsured Motorist Coverage is what covers personal medical bills and car repairs when the other driver lacks adequate insurance.

Another misconception is thinking Uninsured Motorist Coverage is too expensive and therefore unnecessary. While it does add to the premium, its cost is generally modest compared to the financial burden one could face in an accident with an uninsured driver.

Some people also mistakenly think Uninsured Motorist Coverage is a substitute for health insurance or collision coverage. While it does cover certain medical expenses and repairs, it doesn’t provide the comprehensive protection offered by health insurance or collision coverage. Finally, a prevalent myth is the assumption such coverage only applies when the policyholder is driving. In fact, Uninsured Motorist Coverage often extends to the policyholder when they are a passenger in someone else’s vehicle, or even if struck as a pedestrian.

Calculating Costs: Medical Bills and Uninsured Motorists

Uninsured Motorists Law

When involved in a car accident with an uninsured motorist, understanding the financial implications becomes imperative. One of the most pressing concerns is usually medical bills, which can add up quickly. Even a simple trip to the emergency room for minor injuries can result in significant expenses. More severe injuries might require surgical intervention, extended hospital stays, or ongoing physical therapy, driving costs even higher.

Uninsured Motorist Coverage can offer some financial relief in these situations. Policyholders should be familiar with the limits of their coverage, as these dictate the maximum amount the insurance company will pay for medical bills. These limits can vary widely depending on the policy, and exceeding them means paying out-of-pocket for the remaining balance.

Another consideration is lost wages. If injuries from the accident result in time away from work, those lost earnings are another financial hit. Some Uninsured Motorist Coverage policies include coverage for lost wages, although it’s not universally standard. Out-of-pocket expenses such as medications, mobility aids, or transportation to medical appointments also contribute to the overall financial burden following an accident.

If you have suffered an injury in a car accident, call 702-680-1111 or contact our experienced legal team today, and we will work to get the compensation you deserve

As founder of Gina Corena & Associates, she is dedicated to fighting for the rights of the people who suffer life-changing personal injuries in car, truck and motorcycle accidents as well as other types of personal injury. Gina feels fortunate to serve the Nevada community and hold wrongdoers accountable for their harm to her clients.

  • This was my first time using a lawyer, which I needed due a major car accident. They made everything simple and stress free, and I couldn’t be happier with the attentive care I received from everyone at the law office. Gresia was fantastic, and kept in touch regularly. She was professional, knowledgeable, and very kind. I would recommend them to anyone.

    - Deb Compton

  • Gina and her crew are truly amazing. They exceeded my expectations. They kept in contact with me throughout the whole time and any questions I did have They would take the time and explain everything so I would know what to expect. I would highly recommend them at any time.

    - Chris S

  • Thank you very much for the services everyone answered every single one of my calls and this firm took care of me from start to finish. Thank you so much Gina for taking on my case and assisting me I will recommend you to everyone.

    - Sayra Sánchez

  • I rarely do reviews but I want to share what an outstanding team Gina Corena has. Mahna Pourshaban did such an awesome job In helping us get our settlement, she has treated us like family since day 1 that we met her.. Me and my family want to tell u guys thank u from the bottom of our hearts.

    - The LOPEZ Family

  • Working with Gina was An amazing feeling as the client to know that my case is being handled professionally and to the best it can be ! Knowing that Gina can handle it gave me confidence and peace, 100 percent recommend Gina and her associates team !

    - Jonathan Rodriguez

  • GINA CORENA is the best attorney indeed! Thank you to her amazing team the attention to detail I received was incredible. 100% recommend to everyone!

    - Clara Maria

  • My experience with Gina Corena’s office was amazing. They were all professional and were easy to reach out to during my whole case. I’d recommend their services 10/10!!

    - Mark Surban

  • I'm really satisfied with the work these ladies provide. They’re Super reliable and Professional, Alexandra was the one that helped me with my case and she’s super nice and sweet. She made sure I was aware about all the updates with my case. Overall the work they provide to the citizens of Las Vegas is top notch. Thank you Gina Corena and associates.

    - Gil Axel

  • This is the best company I have dealt with hands down. I am super thankful with them for all the work they did on behalf of my case. The process was rather simple and very well explained from start to finish. Thank you so much Gina Corena &. Associates. Thank you Kim for assisting in my case.

    - Raidel Echavarria

  • I received nothing but top notch service from this firm not once but twice please keep up the outstanding job customer service is very important to me and your firm went above and beyond again THANK YOU

    - Freda Smith

  • Such a great law firm. This was my first time having to get a lawyer due to an auto accident and they explained all the ins and outs of my case and the process. I will definitively keep them in mind again for the future.

    -Alyssa Ortega

  • If I can give Gina’s firm 10 stars I would. They have the best customer service & most knowledgeable staff I’ve ever come across. The office is always clean and it has a lovely and positive vibe. Thank you to this amazing firm to make my experience fast and easy for me. Gina definitely knows how to care of her clients and treated me like family. I will recommended to my friends and family.

    -Cony Jordan


CALL US 24/7

Schedule A Free
Injury Consultation Below

    By contacting Gina Corena & Associates, you agree to receive emails, text messages, and phone calls regarding your legal inquiry, which may be considered advertising material.