Las Vegas Underinsured or Uninsured Motorist Lawyer

At Nevada Legal Group, we fight for clients who need Las Vegas uninsured motorist lawyer to navigate Las Vegas’ complex legal system. Suing an uninsured motorist is different from dealing with a responsible driver’s insurance company.

What Is an Uninsured/Underinsured Motorist Accident?

By Nevada law, insurers must offer their policyholders uninsured motorist coverage, but it’s a policy add-on that many people don’t take. If you’re in an accident with someone who is uninsured or underinsured, this means:

• The driver didn’t have insurance, and/or
• The driver’s coverage didn’t cover all of the damages

What are the Consequences of Uninsured & Underinsured Motorists?

If you are involved in an accident with an uninsured or underinsured driver, here’s what you may be facing:

• Your insurer will not be able to recover damages
• Your vehicle’s damages won’t be covered
• Your medical bills will not be paid

If you have coverage for underinsured or uninsured drivers, your insurance company will cover your medical bills, pain and suffering, and other costs.

Drivers without adequate coverage face serious legal consequences.

Nevada requires that drivers have $25,000 in bodily injury coverage per person and $50,000 for each accident. In addition, property damage coverage must be $20,000 minimum. If a driver doesn’t have this coverage, they can be held personally liable for any amount of damage not covered.

If you need an uninsured motorist attorney, there’s no time to lose.

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The Difference Between Uninsured and Underinsured Motorists

As an uninsured motorist accident attorney, one of the most common questions we receive is what’s the difference between uninsured and uninsured motorists? The answer is simple:

• Uninsured motorists don’t have insurance
• Underinsured motorists have insurance, but not enough to cover your damages

In both cases, an uninsured motorist lawyer can seek damages from the driver.

Nevada Uninsured Motorist Statistics

Many drivers are uninsured – more than people realize.

• 4% of motorists are uninsured
• Nevada ranks 32nd in uninsured motorists
• Nevada requires bodily injury and property damage coverage of 25/50/20

One in ten people who seek out a car accident lawyer will be dealing with an uninsured and underinsured motorist (UM/UIM) claims.

How UM and UIM Claims Work in Las Vegas

Your insurance company may decide to sue the uninsured motorist on your behalf, and in this case, you’ll receive money from a settlement. But most cases will require you to sue the opposing driver.

You’ll need to file a claim against the individual through the court.

In many cases, an uninsured motorist doesn’t have the assets to make a lawsuit worthwhile. However, if a judgment isn’t paid, the court may:

• Put a lien against the motorist’s assets

If you file a claim with your own insurer and have the appropriate coverage, at least some of the expenses will be covered. The amount awarded to you through your insurer cannot exceed your policy’s coverage limit.

An insurer may offer an insufficient settlement, and in this case, you can file for arbitration. The case will go in front of a group of arbitrators, which will determine the appropriate payout.

As a motorcycle accident attorney, we also deal with underinsured claims. In this case, you’ll file a claim, receive up to the maximum amount of coverage the driver had at the time of the accident, and then have to seek damages from the driver for excess losses.

What to Do If You’ve Been Hurt in an Accident with an Uninsured Driver

In the best-case scenario, you’ll have uninsured motorist bodily injury coverage. If you do, the coverage will pay for any medical treatments and care resulting from the accident. You’ll simply need to file a claim with your own insurance company.

Even if the driver is uninsured, you’ll want to call your insurance company to file a claim.

Injuries cannot wait to be treated. First and foremost, be sure to seek medical attention for all injuries sustained in the accident. Your own medical bills are likely to be paid for by your insurance. You will not be able to seek damages for pain and suffering or property damage if the driver is uninsured.

If you don’t have this add-on policy, seek out an uninsured motorist lawyer.

Steps to Take Following the Accident

1. Call law enforcement and wait for them to arrive. A police report will be vital to proving your case.
2. Obtain any information from the driver, if possible. The police report should contain all of this information. Be sure to write down the person’s license plate number and insurance information.
3. Seek out medical attention if needed. You’ll want to save all of the bills, paperwork, and records of the injuries. Be sure to continue any recommended treatment plan for your injuries.
4. If you can safely gather any evidence from the accident scene, be sure to obtain it. Evidence can include pictures of the accident scene, witness information, or photos of your injuries.

The next step is to contact your insurance company and an accident attorney.

Do I Need an Attorney to File a UM/UIM Claim?

Working with an uninsured motorist accident attorney is in your best interest. If the driver doesn’t have insurance, there’s a good chance that they don’t have the finances to pay out a settlement.

You can file an uninsured motorist lawsuit on your own, but an attorney will:

• Research the driver’s assets
• Accurately assess your case’s worth
• Seek full and fair compensation

An attorney will also represent you in court so that you don’t have to appear (in most cases). The attorney you work with will handle the intricacies of suing an uninsured/underinsured driver so that you can be made whole again.

Contact our Las Vegas Uninsured Motorist Lawyer Today

If you’ve been involved in an accident that involves an uninsured or underinsured driver, you deserve to work with the best personal injury attorney in Las Vegas.

Contact us today to speak to an uninsured motorist accidents lawyer who will fight for the compensation that you deserve.