Most drivers have a general understanding of what needs to be done following a car accident: You stop your vehicle, render any needed medical aid and exchange information with the other driver(s) involved in the collision. The information that must be exchanged includes everything from up-to-date contact information to your vehicle’s make and, of course, your insurance information.
Unfortunately, you may run into a situation where the other driver does not have adequate (or any) insurance coverage. This happens frequently, despite the fact that insurance is a legal requirement under Nevada law. Many motorists still recklessly operate their vehicles without the mandated liability coverage. Indeed, according to data collected and published by the Insurance Information Institute (III), nearly one in eight Nevada drivers is currently uninsured or underinsured.
Underinsured/uninsured motorist accidents can create tremendous financial hardships for the victims. Often, victims feel like they have nowhere to turn to seek the compensation they deserve. If you were recently injured in this type of crash, we can help. At Naqvi Injury Law, our experienced Henderson underinsured motorist lawyers have helped many victims recover under their own policy.
Under Chapter 485 of the Nevada Revised Statutes, all drivers in the state are required to obtain minimum insurance coverage. Currently, that minimum coverage amounts to:
Of course, this is only the very basic liability insurance. If you only obtain the minimum coverage, your insurance will not protect you at all. You will only have insurance coverage for damage that you might cause to another party. To get protection for your own vehicle damages, you will need comprehensive coverage. Further, to ensure full protection, it is often advisable to purchase additional, supplemental protection.
As so many Nevada motorists are uninsured, it is a best practice to buy a supplemental uninsured motorist policy. This will give you a clear avenue to seek compensation, should one of these accidents occur. To be clear, if an uninsured driver causes your accident, you do have a legal right to bring a lawsuit against them, directly. Unfortunately, doing so is typically, though not always, futile. Uninsured/underinsured drivers rarely have enough funds or assets to pay you. In the event that you are able to enforce a court verdict, the judge will likely set up a monthly payment plan that it is extremely underwhelming.
Nevada requires all auto insurance companies that operate within the state to offer comprehensive uninsured/underinsured motorist coverage to consumers. By obtaining this type of coverage, you will be able to recover compensation, up to the policy limit, for accidents caused by another uninsured driver. If the driver is underinsured, your own coverage will then be able to ‘fill the gap’ so that your damages are fully covered. Indeed, in many underinsured motorist claims, part of your compensation comes from the insurance company of the at-fault driver, while the remainder comes from your own supplemental coverage.
Recovering fair compensation for your auto accident injuries can be challenging. The big insurance companies have developed many tactics and strategies over the years, and they work aggressively to try to limit the amount that victims can obtain. If they can get away with it, these insurance companies will try to undervalue your claim, and worse yet, they may even attempt to deny it outright.
This is true even if you are dealing with your own insurance company. In an uninsured or underinsured motorist case, your own insurance company must be thought of as the opposing party. They will not have your best interests in mind. As such, you should always deal with them through your aggressive Henderson car accident attorney. Our team has the skills and experience to take on the big insurance companies; we can help you maximize your compensation.
At Naqvi Injury Law, our dedicated car accident attorneys have extensive experience handling underinsured and uninsured motorist claims. If you were injured by an uninsured driver in Henderson, NV, we are ready to help. To schedule a free review of your claim, please call us today at (702) 728-4848 or to reach out to us directly through our website.