Should You Purchase Uninsured Motorist Coverage?

Should You Purchase Uninsured Motorist Coverage?

There are no requirements in Nevada that force a person to purchase uninsured and underinsured motorist coverage. However, forgoing such insurance coverage is something that should not be done without some consideration of what this coverage does and why it could be advantageous. In a country that is so car accident-prone – with vehicular crashes causing over two million injuries every single year throughout the United States according to the National Highway Traffic Safety Administration – car accidents that produce physical bodily harm are quite prevalent. 

If you were injured in a Las Vegas car accident by an uninsured motorist, this is a terrifying situation to be in. Not only are you likely concerned about your health and well-being especially if your injuries are severe, but you may also be wondering how you are going to be able to get the money for the costly medical treatment you need to heal. 

After an uninsured car accident in Las Vegas, the Las Vegas uninsured motorist attorney at the Aaron Law Group can help. 

Why Should You Consider Adding UM/UIM Coverage to your Las Vegas Car Insurance Policy?

Should You Purchase Uninsured Motorist CoverageWhen you purchase uninsured motorist coverage you can choose bodily injury and property damage coverage. When bodily injury coverage is purchased, anyone who sustained physical bodily harm in an uninsured motorist accident can be compensated for their damages. These damages could include medical costs, lost wages, as well as pain and suffering. While property damage coverage will help with the destruction that results to your vehicle.

While you may be thinking that being in an accident and having it be by way of an uninsured motorist is low, the worst thing to do is find yourself in this exact situation. No matter how responsible and cautious you are as a driver, that does not mean that others around you will exercise the same level of care and diligence with their driving habits. Reckless drivers are everywhere, and even though vehicle liability insurance coverage is mandatory, not every driver abides by the laws.

It is estimated that as high as 12% of all drivers in Nevada are not properly and lawfully insured. And since the actual number cannot truly be confirmed, that estimate is just that, a rough calculation based on the data. The actual number of uninsured drivers can be much higher. Still, even for those drivers that do have coverage, many choose to only obtain the state’s mandatory minimums. When you think about how costly a catastrophic car accident can be, these minimums may not even cover the majority of the financial damages that result.

Speak with a Nevada Car Accident Attorney Today

UM/UIM coverage acts as a safety net for drivers should they ever be hit by an uninsured driver. In these cases, their UM/UIM can pay the bills. So if you are debating whether or not to get UM/UIM coverage, without it, you may have to pay out of your own pocket for expenses you incur from an accident. As the old saying goes, it is better to have it and not need it than to not have it when you need it. 

After a car accident in Nevada, call the Las Vegas car accident attorney at the Aaron Law Group today to schedule a free consultation to discuss your case at (702) 550-1111.

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