In Nevada, numerous accidents occur where at-fault drivers have minimal insurance coverage for accidents. Currently, drivers are required to carry a minimum of $15,000 in liability coverage for each accident. Unfortunately, medical expenses alone often cost over $50,000, leaving you responsible for the uncovered medical expenses.
Although car insurance is mandatory throughout the United States, over 12% of drivers in Nevada do not have any coverage. For this reason, individuals can expand their policy to provide themselves coverage in the event that they become injured in a car accident that was the fault of an uninsured driver.
A lot of drivers opt for Uninsured or Underinsured Motorist Coverage to cover themselves when this happens. This type of insurance enables injured parties to go after their own insurance in situations where at-fault drivers do not have adequate coverage. Instead of having to pay extensive costs out of pocket, injured drivers can have their expenses covered by their own insurance.
When dealing with insurance companies, it is crucial that you hire an experienced Nevada underinsured motorist claim attorney. Doing so enables you to recover the maximum coverage possible under your insurance policy. Our legal professionals at the Aaron Law Group are available to help you every step of the way with your claim. Regardless of whether the accident just happened and you need to file an initial claim, or you just found out that the other driver had inadequate insurance–we are here for you.
Uninsured Motorist Coverage
Being injured in an automobile accident can cause a person to put their entire life on hold as they recuperate from their injuries. During this time, injured parties acquire stacking medical bills and deal with the long-term effects of their injuries.
Whether you are a driver or passenger, or even a pedestrian who was involved in a car accident that was not your fault, you may have additional options available for you to cover related expenses as a driver that is not at fault for the accident.
Individuals involved in accidents with drivers that do not have adequate insurance are often able to utilize their own Uninsured Motorist Coverage. These policies generally cost less than $5 a month and provide immense protection to you should you be involved in an accident with an uninsured, under-insured, or hit-and-run driver.
Not every policy has Uninsured Motorist coverage. It needs to be selected when you purchase your insurance. There are generally three parts to every Uninsured Motorist Insurance Policy. These three parts must be selected when purchasing your insurance or you will not have the coverage. These include:
- Uninsured Motorist or Uninsured Motorist Bodily Injury insurance (UM or UMBI)
- Underinsured Motorist insurance (UIM)
- Uninsured Motorist Property Damage insurance (UMPD).
In Nevada, uninsured motorist insurance policies will only pay up to the total limit for medical expenses, lost earnings, and pain and suffering. You will need to have the Uninsured Motorist Property Damage Insurance in order to recover costs for your lost or damaged vehicle.
Before Filing An Uninsured Motorist Claim
Uninsured motorist and underinsured motorist policies go into effect when the at-fault driver lacks adequate car insurance to cover all the costs you sustained during the accident.
In order for you to collect compensation from your policy, your attorney must prove that the accident was caused by another driver’s negligence and not your own. Additionally, the at-fault driver did not have insurance or the insurance coverage they do have is not enough to cover the medical expenses, lost wages, and pain and suffering you sustained as a result of the accident.
It is crucial for you to obtain the insurance information from all other drivers involved in the accident. This will help your insurance company determine the level of coverage provided by the at-fault driver’s policy to you.
Although you pay your insurance company for coverage, they do not want to give you the maximum money you deserve. Quite often, they will fight you in the amount of coverage you receive if they provide any coverage at all. For this reason, it is crucial for you to hire a qualified and skilled personal injury lawyer to stand up against the insurance company in order to obtain the financial compensation you deserve. At the Aaron Law Group, we have more two decades of legal experience assisting Nevada residents with difficult and complex personal injury claims and we can help you too.
Uninsured Motorist Coverage For Pedestrians
If you are a pedestrian that has been struck by an at-fault driver, you may be able to utilize your uninsured motorist coverage for medical expenses resulting from the accident. Typical uninsured motorist policies extend to drivers that are not at fault of an accident and their passengers. Sometimes, this coverage can be used to cover you as a pedestrian injured by an uninsured or underinsured at-fault driver.
It is in your best interest to hire a personal injury lawyer to go after these benefits for you.
Common Car Accident Claim Issues
There are various problems that arise when car accident claims are filed. Quite often, these negative circumstances can prevent you from receiving adequate compensation or prevent you from receiving compensation in a time-sensitive manner. Some issues are:
Having to sue an at-fault driver: Although most car accident cases are settled out of court, there comes a time where attorneys are simply unable to reach a settlement amount. When this happens, the case must be argued in court. This can prolong the process of receiving compensation to cover your medical expenses, lost wages, and other financial responsibilities.
Low policy limits: At fault drivers generally pay their insurance providers to protect them in case of an accident. The amount of protection provided to the driver is often limited to the maximum amount of coverage specified in the policy. In most cases, the maximum policy amount is the maximum amount an injured party is able to receive to cover their medical expenses and damages. When this amount is too low, it is not nearly enough to cover expenses that result from the accident.
Bad insurance policies: In cases where at-fault drivers have bad insurance coverage or low limits, there may not be enough money available to pay for any lost wages, pain, and suffering. This often creates further frustration for injured parties as they are left unable to pay bills, without an adequate vehicle, and unable to get the medical care they need to treat their injuries.
Low offers by insurance companies: Cheap insurance companies do not want to pay injured victims the maximum amount allowed by their policies. Instead, they will go out of their way to offer injured parties incredibly low settlement amounts. Some insurance companies may force you to go to court in an attempt to recover compensation and still there is no guarantee that you will receive it.
If you are injured in a vehicle accident and you are worried that the at-fault driver does not have adequate insurance coverage, you need to have the best legal team on your side. Hiring an attorney from the Aaron Law Group guarantees you will receive the maximum amount of compensation available to you under Nevada law.
How To Deal With Uninsured Or Underinsured Drivers
If you are ever involved in an accident with an at-fault driver that does not have adequate insurance coverage, it is important to realize that you may still have coverage available to you. The state of Nevada allows individuals to purchase Uninsured or Underinsured Motorist coverage to help provide further financial coverage when necessary.
This type of coverage allows drivers to receive more compensation to cover costs for physical losses, medical expenses, and lost wages in the event of an automobile accident that is caused by an uninsured or underinsured driver.
Uninsured Coverage For Hit-And-Run Accidents
Car accidents are devastating and frustrating from the moment it happens. Being involved in an accident with a hit-and-run driver increases the level of frustration immensely. When a driver leaves the scene of an accident, it is often difficult to determine who they are. In some instances, law enforcement officers are able to track down the driver of the fleeing vehicle, but this is not always the case.
When there are no witnesses and the police are unable to determine who the driver is, an injured party will need to utilize their own insurance coverage to pay for repairs to their vehicle, medical expenses, and other financial obligations that arise.
Making A Claim Under Your Uninsured Motorist Insurance
Under most insurance policies, you are required to notify your insurer if you are involved in an accident. You may also be required to report it to the police. These reports will be collected, along with witness statements, photographs, and investigation reports, in order to determine who is at fault for the accident.
Your insurance company’s determination of fault is not the final word. If you disagree with their findings, your personal injury attorney may file a lawsuit against your uninsured motorist insurer. If you are found to be partially at fault, you may be entitled to a partial recovery under the comparative negligence laws of Nevada.
Either way, you will need to prove your medical bills and other injuries to your insurance provider. This is not an easy task. Quite often, your insurance company will work against you and try to pay out as little as possible. Retaining an experienced accident attorney from the Aaron Law Group will ensure you receive the maximum compensation you are entitled to.
Additionally, if you have health insurance coverage, your medical expenses may be taken care of through that. It is important to note that your health insurance does have a right to reimbursement for medical expenses paid and they may seek to collect it from your uninsured motorist policy.
Uninsured Motorist Coverage Is Not Mandatory In Nevada
Having to pay for some of your own repairs and expenses for an accident that was caused by a negligent driver can be extremely frustrating. This is even worse when you find out that you have no uninsured motorist coverage available.
This type of insurance is not mandatory; therefore numerous drivers do not purchase it when they select their insurance policies. It is not until they need it that they realize they do not have the coverage. By that time, it is too late.
Individuals without uninsured motorist coverage may not be completely hopeless in covering their expenses. Individuals that do not have uninsured motorist coverage may still be able to utilize Uninsured Motorist Bodily Injury coverage. Although this type of coverage does not generally cover the cost of property damaged, it does provide compensation for medical expenses and lost wages.
Other Coverage Available In The Event Of An Accident
Individuals in Nevada are able to utilize Med Pay coverage in addition to their auto insurance policy. This coverage can be applied to medical expenses you drivers and passengers, regardless of who is at fault for the accident.
Unfortunately, the maximum coverage provided under Med Pay is $10,000, which is often only a fraction of medical expenses sustained from an automobile accident injury.
Call The Aaron Law Group To Help You Deal With Underinsured Motorist Claims
One of the main challenges driver’s faces while trying to collect damages under their own policy is proving that the collision was the other driver’s fault. There are numerous types of automobile accidents, so every detail matters. The Aaron Law Group goes after every piece of evidence to help clients in every way possible.
At Aaron Law Group, we help clients file claims with their insurance companies, gather witness statements, and prepare strong legal cases that adequately reflect the unique circumstances of each individual case. We further assist clients by documenting damages sustained by our clients and information from the at-fault driver’s insurance company to present documentation to our client’s insurance company that shows additional money is needed.
Without an aggressive attorney on your side, getting adequate compensation from your uninsured coverage policy can be nearly impossible. If you or your loved one has suffered injuries in a car accident and need help taking on both the at-fault driver’s insurance company and your own, contact the Aaron Law Group today at 702-550-1111 for a free consultation.