Mahna Pourshaban - Attorney at Gina Corena & Associates

Trial Attorney at Gina Corena & Associates

Practice Areas: Personal Injury

Driving in Nevada presents unique risks, mainly due to the significant number of uninsured motorists on the road. Imagine being involved in an accident only to discover the other driver has no insurance to cover your medical expenses or vehicle damage. Without proper coverage, you could be left with mounting bills and legal challenges. Uninsured Motorist (UM) Coverage acts as a financial shield in such situations, ensuring that you and your loved ones are protected.

In this guide, we’ll explore Nevada’s uninsured motorist laws, the importance of UM coverage, and the necessary steps to take after an accident. Whether you’re a daily commuter, an occasional driver, or a newcomer to Nevada, understanding these details can help you make informed decisions.

For more insights into car accidents, insurance claims, and legal options, check out our other in-depth guides on navigating Nevada’s road laws.

Understanding Uninsured Motorist Coverage in Nevada

Uninsured Motorist (UM) Coverage is a specialized auto insurance policy that provides financial relief when an at-fault driver lacks sufficient insurance. It covers medical expenses, lost wages, and damage that the at-fault driver’s insurance should have covered.

Nevada law mandates the following minimum liability insurance requirements:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $20,000 per accident for property damage

Many responsible drivers choose to increase their coverage limits due to the rising costs of healthcare, vehicle repairs, and lost income following an accident.

“A single hospital visit following a car accident can cost thousands of dollars. Uninsured Motorist Coverage ensures you are not left covering these costs alone.” — Nevada DMV.

Nevada auto insurance minimums detailed - corena law

Why Uninsured Motorist Coverage is Essential in Nevada

According to the Insurance Research Council (IRC), approximately 10.6% of Nevada drivers are uninsured, putting responsible motorists at significant risk.

Despite laws requiring all drivers to maintain minimum liability insurance, many do not comply, exposing others to potential financial hardship.

Key Reasons to Have UM Coverage:

  1. Financial Protection: Covers medical expenses, lost wages, and damages in an accident led by an uninsured driver.
  2. Hit-and-Run Protection: Nevada has a high rate of hit-and-run accidents, and UM coverage ensures you are still compensated if the driver cannot be identified.
  3. Medical Cost Inflation: Severe injuries, such as traumatic brain injuries (TBI) and spinal cord damage, can cost millions of dollars in long-term care (CDC).
  4. Legal Complications: Suing an uninsured driver is often futile, as they typically lack the financial resources to pay damages.

Steps to Take After an Accident with an Uninsured Motorist

If you are involved in an accident with an uninsured driver, follow these essential steps to ensure you protect your rights and financial interests:

  1. Ensure Safety: Move vehicles out of traffic and check for injuries.
  2. Call Law Enforcement: A police report is crucial for filing insurance claims and legal action.
  3. Document the Scene: Take photos of the accident, vehicle damage, and road conditions.
  4. Gather Information: Obtain contact details from witnesses and any involved parties.
  5. Seek Medical Attention: Injuries may not be immediately apparent but can worsen over time.
  6. Notify Your Insurance Provider: File a claim under your Uninsured Motorist Coverage.
  7. Consult a Car Accident Attorney: A Las Vegas uninsured motorist lawyer can help you navigate the claims process and maximize your compensation.

“Many insurance companies attempt to reduce payouts. A personal injury lawyer can advocate for fair compensation on your behalf.” — Gina Corena & Associates.

The Cost of Accidents Involving Uninsured Drivers

The financial impact of an accident with an uninsured driver can be devastating. Some of the significant costs include:

  • Emergency Room Visits: Minor injuries can still lead to substantial bills.
  • Long-Term Rehabilitation: Severe injuries often require years of physical therapy.
  • Lost Wages: Many accident victims are unable to work during recovery.

According to the Christopher and Dana Reeve Foundation, the lifetime costs of spinal cord injuries range from $1.1 million to $5.1 million, depending on severity. Without adequate insurance, these expenses can become unmanageable.

Uninsured accidents cause financial devastation

Should You Increase Your Uninsured Motorist Coverage?

The minimum insurance coverage required in Nevada often fails to cover the total costs of an accident. Here are three reasons why increasing your UM/UIM coverage is a wise decision:

1. Nevada’s Dangerous Roads

With millions of tourists and high traffic congestion, Las Vegas and Reno have some of the most accident-prone roads in the country. Additional coverage ensures financial security in case of a collision.

2. Rising Medical Expenses

Nevada’s minimum coverage limits often fall short of actual medical costs following a severe accident. Increasing UM/UIM coverage guarantees better protection.

3. Hit-and-Run Accidents

Nevada has one of the highest hit-and-run rates in the nation. Uninsured Motorist Coverage can be the only protection in these instances where the responsible driver is never identified.

FAQs About Uninsured Motorist Coverage in Nevada

1. Do I need uninsured motorist coverage in Nevada?

Yes. Although not required by law, uninsured motorist coverage provides essential protection against drivers who fail to carry insurance. Without it, you may have to cover your medical bills and repairs out-of-pocket, which can be financially devastating.

2. What should I do if an uninsured driver hits me?

Immediately document the accident, call the police, and seek medical attention. Then, report the accident to your insurance company and file a claim under your uninsured motorist policy. If you face difficulties securing fair compensation, consulting an attorney is highly recommended.

3. How much uninsured motorist coverage should I carry?

Experts advise carrying at least $100,000 per person and $300,000 per accident in UM/UIM coverage. This ensures adequate financial protection against high medical expenses and lost income caused by an accident with an uninsured or underinsured driver.

4. Can I sue an uninsured driver for damages?

Yes, but it may not be effective. Many uninsured drivers lack the assets needed to pay for damages. Relying on UM coverage is a more practical way to secure compensation without lengthy legal battles.

Conclusion

Nevada’s roads pose significant risks, particularly with the high number of uninsured drivers. Carrying Uninsured Motorist Coverage ensures you are financially protected in case of an accident. Increasing your policy limits can provide added security and peace of mind, covering medical expenses, lost wages, and damages that an uninsured driver cannot.

If an uninsured driver has injured you or a loved one, legal assistance can make a significant difference in securing fair compensation.Contact Gina Corena & Associates today for a free consultation  visit our website to learn how we can help you 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.

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