Getting into a car accident is already stressful, but it can feel even more overwhelming when the at-fault driver doesn’t have insurance, or doesn’t have enough coverage to pay for your injuries and damages. Unfortunately, this situation is more common than many people realize. Nevada consistently ranks among the states with the highest percentage of uninsured drivers. So, what happens if you’re hit by an uninsured or underinsured driver in Nevada? Understanding your rights and options can help you protect your health, finances, and legal claim. With this in mind, we at Kajioka & Associates Attorneys At Law would like to offer some tips on what happens if you’re hit by an uninsured or underinsured driver in Nevada.
Nevada’s Insurance Requirements
Nevada law requires all drivers to carry minimum auto insurance coverage, including:
$25,000 for bodily injury per person
$50,000 total for bodily injury per accident
$20,000 for property damage
However, not everyone follows the law. When someone drives without insurance or doesn’t have enough to cover the harm they cause, accident victims can face significant financial risk.
Your Insurance May Protect You
Thankfully, many Nevada drivers have Uninsured/Underinsured Motorist (UM/UIM) coverage, which is optional but extremely valuable. UM/UIM helps cover your medical bills, lost wages, and other damages when the at-fault driver cannot.
If the driver who hit you has no insurance, UM coverage helps compensate you. If they have some insurance but not enough, UIM coverage may pay the difference between their policy limits and your total damages.
Even if you’re unsure whether you have UM/UIM coverage, your insurance adjuster or a Nevada injury attorney can review your policy and explain your benefits.
Health Insurance & Medical Payments Coverage
If you don’t have UM/UIM coverage, other options may help, including:
Health insurance for medical treatment
Medical payments coverage (MedPay) on your auto policy, if purchased
MedPay is optional coverage that can pay medical expenses regardless of fault. It’s common in Nevada and often ranges from $1,000 to $10,000 or more in coverage.
Filing a Lawsuit Against the Uninsured Driver
You also have the right to sue the at-fault driver personally. However, this route is often difficult. Drivers who lack insurance usually don’t have assets to pay a judgment. That’s why UM/UIM coverage is such an important safety net for Nevada motorists.
Why Hiring a Personal Injury Attorney Helps
Insurance companies often try to minimize payouts, even when you’re making a claim under your own policy. A Nevada personal injury lawyer can:
1) Review all potential sources of compensation
2) Communicate with insurance adjusters on your behalf
3) Handle medical bills and liens
4) Negotiate for the maximum settlement
5) File a lawsuit if needed
Having legal guidance ensures your claim is properly documented and handled from the start.
Protect Yourself Before an Accident Happens
The best time to prepare for an accident with an uninsured or underinsured driver is before it happens. Reviewing your UM/UIM and MedPay coverage now can give you peace of mind and financial protection on the road.
Criminal Defense, Personal Injury, Business Attorneys & More in Greater Las Vegas, Nevada
Call Kajioka & Associates Attorneys At Law for a consultation appointment regarding your personal injury claim in the Las Vegas, NV Valley.
