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What to Do If an Uninsured/Underinsured Driver Hits You

You’re driving along Interstate 15 (I-15), I-215, or I-95 and you’re suddenly hit by another driver and suffer a serious injury. You may think to yourself, “I’m hurt and I know this other person is at fault. I guess their insurance will cover my medical bills.” Unfortunately, a problem you commonly encounter in Las Vegas is uninsured or underinsured drivers.

Nevada law requires drivers to carry insurance, but this doesn’t mean every driver has insurance. Someone may have had insurance and then let their policy expire, but are still wreaking havoc on the roads. Then, there are other drivers who have insurance, but the amount of coverage on their policy is so small that it may not be enough to fully cover your medical bills, lost wages, and pain and suffering.

The minimum coverage required in Las Vegas, Clark County, Henderson, and anywhere else in Nevada is:

Bodily Injury

$15,000 for the death or injury of any one person, any one accident
$30,000 for all persons in any one accident

Property Damage

$10,000 for any one accident

I strongly recommend purchasing more than minimum coverage. Why? Because if you’re seriously hurt in a car crash, your policy limits may not be enough to cover all of your expenses. For example, if your injury claim is worth $75,000, but you and the at-fault driver only have the $15,000/$30,000 bodily injury minimum, you will only be paid $15,000 by the at-fault driver’s insurance company and nothing by your own insurance since your $15,000 in bodily injury coverage merely covers paying for someone else’s injuries caused by your negligence.

What’s the best way to protect yourself if an uninsured driver hits you? The answer is uninsured motorist/underinsured motorist (a.k.a. UM) insurance. With this coverage, you can file a claim against your own insurance to help recover compensation for your injury. This may seem odd since your own insurance company will act as a defendant for the at-fault, underinsured driver, but it allows you to recoup additional compensation to help cover your expenses.  In the above example, if your injury claim is worth $75,000, but the at-fault driver only has $15,000 in bodily injury coverage, and you have $50,000 in underinsured motorist coverage, you would collect the $15,000 from the at-fault driver, and you would collect the $50,000 from your insurance company.  And, in Nevada, it’s illegal for an insurance company to increase your premiums for making an uninsured or underinsured motorist claim.