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LAS VEGAS UNDERINSURED/UNINSURED COVERAGE ATTORNEY
Las Vegas Lawyer Helps Underinsured & Uninsured Motorists
In Nevada, it is illegal to drive a car without automobile insurance and there are serious consequences for a failure to purchase coverage. For instance, a driver’s failure to obtain car insurance can lead to his or her license and registration being suspended. Unfortunately, despite these repercussions, many drivers choose to ignore this requirement, which can cause significant financial hardship for someone injured in an accident with an uninsured driver.
Purchasing uninsured and underinsured motorist coverage is an effective way to ensure that if you are injured in a car accident and only have the minimum required coverage, you receive the compensation you need to address your injuries and repair any property damage. If you live in Las Vegas and were recently injured in a car accident and the other driver did not have insurance or did not have a policy with enough coverage to compensate you for your injuries, obtaining the advice of an experienced underinsured/uninsured coverage attorney can make all the difference in whether or not you are able to recover under your own policy.
If you are the victim of a hit-and-run accident, you are likely overwhelmed not knowing how your medical bills will be covered. Seek help immediately from an experienced personal injury attorney prepared to help relieve your financial stress.
At Naqvi Injury Law, we have extensive experience handling complicated cases. Our founding attorney, Farhan Naqvi, routinely litigated more than 200 cases when working at the largest personal injury law firm in Nevada. His strong background includes protecting accident victims hit by uninsured and underinsured motorists.
Schedule a FREE Initial Consultation
Contact our law firm by e-mail or call us to schedule a free initial consultation. We are compassionate, yet aggressive when protecting accident victims and family who lost loved ones in wrongful death accidents. Located in Las Vegas, our firm serves clients throughout the state of Nevada.
Nevada adheres to a fault-based car accident liability system, which means that the driver who causes an accident is required to pay for the injuries and property damage incurred by injured parties. For this reason, a person injured in a car accident can choose to pursue one of the following options:
- File a claim under his or her own insurance policy;
- File a claim with the at-fault party’s car insurance company, also known as a third party claim; or
- File a personal injury lawsuit against the at-fault driver.
Minimum Insurance Coverage
Nevada law requires that all drivers purchase minimum car insurance coverage from a state-licensed insurer. Drivers must then provide proof of insurance to the Department of Motor Vehicles before their cars can be registered. According to state law, minimum coverage must include at least:
- $15,000 for bodily injury to one person in an accident;
- $30,000 for bodily injury when more than one person is hurt in an accident; and
- $10,000 for property damage per accident.
This minimum coverage for property damage covers the damage a policyholder causes to another person’s car. Unfortunately, it does not cover the cost of repairing or replacing the policyholder’s own car. To ensure that these costs are paid in the event of an accident, drivers should purchase comprehensive car insurance.
While having these minimum requirements ensures that injured parties will be able to recover at least a portion of the expenses related to an accident, it also means that in most cases, the other person’s insurance will not cover the entirety of the victim’s costs. For this reason, Nevada law also requires insurance companies to offer uninsured and underinsured motorist coverage in an amount equal to the minimum liability coverage required by law and no greater than the liability coverage limits already chosen by the insured on his or her policy. Furthermore, the offer must be made in writing on a pre-approved form and included with each policy renewal. Insurers are also required to obtain a policyholder’s rejection of this coverage in writing. In the event that an insurer fails to offer the required coverage, the court will proceed as though the coverage were included in the policy.
Drivers are strongly advised to purchase uninsured and underinsured motorist coverage to match their policy’s bodily injury limits as many accidents result in injuries that require treatment totaling more than $15,000. Even when injuries are relatively minor, injured parties may be required to pay for:
- Emergency transport;
- Diagnostic tests;
- Evaluation by a physician;
- Follow-up appointments;
- Transportation costs; and
- Prescription medications.
Injured parties may also be required to take time off from work until they have recovered. This can make it even more difficult to pay medical bills, creating additional stress for victims and their families.
Uninsured Motorist Coverage
Most uninsured motorist coverage pays up to a policy’s limits for:
- Injuries sustained by a policyholder while driving or riding in the car named in his or her policy, while a pedestrian, or while driving or riding in a car owned by someone else;
- Injuries sustained by a policyholder’s relative who resides with him or her while driving in the car named in the policy;
- Any person riding in or driving the car named in the policy as long as he or she obtained permission from the owner; or
- Any person riding in a car the policyholder is driving, but does not own.
Some types of uninsured motorist policies cover situations where a policyholder is involved in an accident with an unidentified hit-and-run driver. However, this coverage does not apply unless the policyholder or his or her car was struck. Most policies also require that the insured notify law enforcement of the accident within 24 hours of its occurrence. In these cases, if a policyholder fails to report the accident in time, his or her insurer may refuse to cover the costs of the injury.
Some policies are even more restrictive and do not cover hit-and-run accidents when the at-fault driver or car cannot be identified. Additionally, if a policyholder receives funds to cover medical bills from alternative coverage, the recoverable amount he or she is entitled to under an uninsured motorist policy will be reduced by that amount. Finally, when a policyholder is injured while in another person’s car, the uninsured motorist coverage of the car’s owner will primarily cover the policyholder’s injury. Only the amount that is not repaid by the car’s owner can be covered by an insured’s policy.
Once a person files a claim under his or her uninsured motorist coverage, an adjuster will be assigned to handle the claim. The parties will then decide on an amount based on the other person’s negligence, whether the policyholder contributed to the accident, the severity of the injuries sustained, and the number of victims involved in the accident.
Underinsured Motorist Coverage
In some cases, a person who causes an accident will have some insurance coverage, but not enough to cover the full amount of the other party’s injuries. In these situations, a policyholder with underinsured coverage can collect up to the limits of the policy. However, medical payments recovered under another policy will be deducted from the total provided by underinsured coverage.
Filing an underinsured motorist claim requires that the policyholder provide evidence to his or her insurer establishing that the other driver’s insurance is not enough to cover the cost of his or her injuries. This may require that the policyholder obtain a letter explaining the other driver’s policy limits as well as a statement acknowledging settlement from the other driver’s insurer. Sometimes these letters are even included with the settlement paperwork.
Filing a Claim Against an Uninsured Driver
Generally, filing a claim against an uninsured driver in court is not a viable option because most uninsured drivers do not have sufficient funds or assets to pay off a judgement. If the at-fault party does not pay a court-ordered judgement, the policyholder can always request a court order requiring the defendant to pay. If the court discovers that the defendant does have access to some assets, it might set up a payment plan, requiring the at-fault party to pay a certain amount per week. Often, these payments are extremely small and rarely beneficial to the injured party. If there is evidence that the other driver actually has valuable assets, a plaintiff may be able to file a lien against the other party’s property during the proceedings.
It is usually a better option to file a claim with the policyholder’s own insurer under his or her uninsured motorist coverage than to file a claim in court. After negotiations, the policyholder will be awarded an amount to cover at least part of his or her expenses, as uninsured benefits cannot exceed the amount of primary coverage. This means that if a policyholder has $100,000 worth of coverage, he or she can only have up to $100,000 in uninsured policy benefits. Keep in mind that if a policyholder and his or her insurer cannot agree on an appropriate settlement amount, the only method of resolution is binding arbitration to be followed by a hearing before a panel of arbitrators.
Protecting Victims of Uninsured Motorists
We devote ample resources to proving fault in complicated personal injury cases. Our law firm’s approach remains consistent when protecting victims of hit-and-run accidents. Attorney Naqvi works closely with accident scene reconstructionists to carefully investigate property damage and skid marks left at accident scenes.
His detailed approach also includes reviewing police reports and witness statements to gather as many details as possible. In some circumstances, ambiguous details or lack of witness statements evolve into no solid leads to determine fault. Our strong background becomes critical in determining if accident victims have underinsured or uninsured motorist coverage in their insurance policy.
Reputations Are Earned, Not Given
Our law firm’s founding attorney — Farhan Naqvi has handled hundreds of complicated auto accident cases, including:
- Car accidents
- Truck accidents
- Motorcycle accidents
- Drunk driver accidents
He started his career as an insurance defense attorney many years ago and later joined one of the largest personal injury law firms in Nevada where he often litigated more than 200 cases simultaneously. His strong experience with insurance companies & accident law is the foundation of our boutique law firm. We devote ample resources & time to obtaining maximum compensation for accident victims.
Seeking Maximum Compensation
Mr. Naqvi defended insurance companies before he began protecting accident victims’ rights. He has a clear understanding of how the other side works, and he is a tough negotiator. Attorney Naqvi has a strong background obtaining compensation for accident victims up to the limits of their insurance policy. He is committed to helping victims of uninsured motorists obtain as much compensation as possible covering hospital bills, lost wages, property damages, and future medial needs.
Why Work with Our Firm?
Naqvi Injury Law offers many benefits to car accident victims. In terms of fees, we usually charge only 25 to 33 percent of the total compensation, versus fees of up to 50 percent at other law firms. We also advance all costs while your case is pending.
When you hire one of our skilled attorneys, you’ll never have to wonder what comes next. We’ll guide you through the steps of pursuing the best payout for your injuries, while advising you of potential problems or practices to avoid while your case is being reviewed and worked on. We are available to answer any questions you may have about the different legal processes involved in your case, so you’ll never have to guess at what comes next. Unlike some law firms, we don’t charge you any fees until you receive compensation for your case, which means you can retain our services no matter what your financial situation may be. Give us a call, contact us through our website, or send us an email.
Experience, compassionate service, and the determination to prevail are the foundations of our law firm – the choice is clear.
Contact an Experienced Underinsured/Uninsured Coverage Attorney Today
Car accidents can be physically and financially devastating for victims and their families, especially when the at-fault party does not have the required minimum insurance coverage. While the situation may feel hopeless, injured parties in this situation still have options, including filing a claim with their own insurers. Dealing with your own insurer can still be time-consuming and even frustrating, so if you were injured in an accident caused by an uninsured or underinsured driver, please contact Naqvi Injury Law by calling (702) 945-0558 or by completing and submitting one of our standard contact forms and we will assist you in scheduling a free consultation with a dedicated underinsured/uninsured lawyer who can help explain your legal options.
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Schedule a Free Initial Consultation
Contact our law firm by filling out the form below or call us to schedule a free initial consultation. We are compassionate, yet aggressive when protecting accident victims and family who lost loved ones in wrongful death accidents. Located in Las Vegas, our firm serves clients throughout the state of Nevada.
Other Practice Areas
DRUNK DRIVER ACCIDENTS
MULTIPLE CAR ACCIDENTS
NECK & BACK INJURY
SLIP & FALL ACCIDENTS
SPINE INJURY ACCIDENTS
SWIMMING POOL ACCIDENTS
TAXI CAB ACCIDENTS
TRAUMATIC BRAIN INJURY
TRIP & FALL ACCIDENT