Do you know if Nevada uses a no-fault or at-fault car insurance system? What does this mean for filing a claim after an accident occurs? This guide covers everything you need to know.

Comparing Key Points



All drivers file claims with their own insurer, regardless of fault

Driver deemed responsible pays for damages

Designed to lower costs by reducing lawsuits

Covers costs beyond car repairs like medical, lost wages, etc.

Claims limited below certain damage/injury thresholds

Typically allows more types of accident claims

What type of car insurance system does Nevada have?

Nevada uses an at-fault insurance system, meaning the driver responsible for causing an accident is also responsible for paying associated damages.

What exactly does it mean to reside and drive in an At-Fault state like Nevada?

If you are in an accident in Las Vegas, and you are injured, don’t take your first offer from the insurance company. Let us discuss your rights and the responsibilities of the other driver. Give us a call at (702) 680-1111 to set up an appointment.

When someone mentions insurance, are you baffled by all the details and different coverages?  And if all of that wasn’t confusing enough, somebody brings up no and at fault.  Do you even know what no-fault versus at-fault insurance is?  Sure, you’ve heard of it, but do you even know if Nevada is a no-fault or at-fault state?  And what does that all mean anyway?

  • No-Fault Insurance: You and the other driver file claims with your own insurers, regardless of fault
  • At-Fault Insurance: The driver deemed responsible pays for damages
  • Nevada is an at-fault state

No-Fault Car Insurance

Simply put, if you and another vehicle are involved in an accident, you both are required to carry insurance on your own personal property as well as insurance against personal injury.  Since there is not fault assessed, claims are made against your own carrier.

Why no-fault?  In theory, this was designed to lower insurance costs because in a no-fault system, it can potentially eliminate lawsuits.  But there is a caveat.  No lawsuits unless injury or damage reaches a certain threshold.  What adds to the confusion is that states can essentially set that threshold and they differ from state to state.  There are also definitions of no-fault, state by state.  Confused?  

At-Fault Car Insurance  

So, what exactly does it mean to reside and drive in an At-Fault state?  Simply said, it means the driver who is deemed responsible for the accident is responsible for the damages.  You can purchase insurance in case you have an accident for uninsured or underinsured drivers, However, legally, the responsible party is still liable for the damages.  Even if the driver is insured, in an at-fault state such as Nevada, your claim may not be limited to:

  • Damage to your vehicle
  • Injury to yourself or your passengers

There may also be additional expenses incurred such as:

  • Transportation costs
  • Loss of wages
  • Pain and suffering
  • And more

These costs will not likely be readily reimbursed by the other driver’s insurance company and you may not want to take their initial offer.  It is best not to handle this on your own, but rather to call an attorney who specializes in car accident cases and personal injury.

Insurance Is Still Mandatory

No matter what, you still have to meet the mandatory insurance requirements posted by the state of Nevada (currently $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage.) 

These amounts are liability only and will only protect you if you are at fault, and will only cover the other persons and vehicles in the accident.  It will not cover you, your passengers, or your vehicle.  To cover your own property, you will need to add on comprehensive or collision coverage, and any other additional coverages you may require.  Your insurance agent can help you sort through this and recommend appropriate coverage.  

What To Do If You Are In An Accident

If you are in a car accident in Nevada, these things are required by law:

  • Stop and exchange contact and insurance information
  • Move safely out of traffic
  • Help anyone who has been injured and notify the police in case of injury or death
  • File a police report or have them report to the DMV if there is injury, death, or damages over $750

Failure to stop at an accident may be considered a hit and run and may have legal consequences.  Failure to stop at an accident when someone is seriously injured or dies, may be considered a felony and jail time could be imposed.

After you are safely out of traffic and the police have been notified, call your insurance company.  Gather essential information for the police report.  Have your driver’s license and insurance card available. 

If you are uninjured, use your phone to take photographs of damage, injury, or anything that might be important to a claim or lawsuit. 

It’s also a good idea to write down everything you know about what just happened. 

By the time the claim is processed, you may not remember as clearly as you do when the accident first occurred.  This documentation could be crucial in investigating the claim.

If you are not seriously injured and transported to a hospital, be sure that you see a doctor for any injuries.  Be sure to attend all follow up appointments, and report to your doctor any additional pain or injury that was not first noted at the time of the accident.

Nevada Traffic Accidents – What You Need To Know

To sum up, Nevada is an at-fault state, meaning if you are in an accident and are not at fault, you are entitled to compensation for:

  • Damages – to your vehicle and personal belongings damaged in the accident
  • Medical – Any one who is injured at the fault of the other driver.  This can include medical care, physical therapy, transportation costs, etc.
  • Lost wages – If you or your passenger is unable to work because of injuries sustained in the accident.  This can also include lost earning capacity which can mean you are unable to recover future earnings because of your injury.
  • Pain and suffering – Anyone who has been through a serious accident knows that there is a great amount of pain and suffering that disrupts your otherwise normal life.
  • Miscellaneous – expenses that are incurred because of the accident in addition to those listed above such as court costs, or punitive damages
  • Vehicle repair or replacement – This should include the cost of getting your car repaired, replaced, plus the cost of alternate transportation while it is being repaired.

Driving with an expired license can lead to complications when involved in an accident.

It’s essential to understand how an expired license can impact your car accident claim and the potential legal consequences you might face.

If you are in an accident in Las Vegas, and you are injured, don’t take your first offer from the insurance company.  Let us discuss your rights and the responsibilities of the other driver.  Give us a call at  (702) 680-1111 to set up an appointment.

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.