Uninsured or Underinsured Motorist Coverage in Nevada
If you’ve been in an accident with someone who is uninsured or underinsured, you’ll have a lot of questions. The first question may be how someone can be uninsured when the law requires drivers to have $25,000 of coverage for injuring or causing the death of one person and $50,000 for two people as well as $20,000 of coverage for property damage. It is easy to see how someone can be underinsured if they carry the minimums. Given the cost of medical bills and automobiles, even a non-serious accident can quickly amount to more than Nevada’s minimum coverage requirements.
Learning that the at-fault driver is uninsured or underinsured is overwhelming, especially if a loved one has been injured and you’re dealing with hospital bills and repairs to your vehicle. That’s when you need a Las Vegas Uninsured Or Underinsured Motorist Lawyer to build a case to handle your underinsured motorist claim.
Insurance companies don’t pay claims above policy limits. Lost wages, pain and suffering, plus medical expenses add up. A Las Vegas Uninsured Or Underinsured Motorist Lawyer can help you collect the difference from your policy or file a suit against the underinsured motorist.
Consequences of Uninsured Motorists Accidents
An accident can change everything in the space of a heartbeat. Injuries and the hassles of being without a vehicle while yours is being repaired can turn your life upside down. If you purchased uninsured and underinsured motorist coverage, you will need to file an underinsured motorist claim against your own insurance company.
Nationwide, the Insurance Institute reported that 13% of drivers weren’t insuredin 2015. If you don’t leave the state, Nevada’s rate is a little better at 10.6% of drivers but as soon as you visit California, you’re in a state where 15.2% of the drivers are uninsured.
If someone without adequate insurance injures you or damages your vehicle, you can file a claim with your insurance company under your uninsured or underinsured coverage. You’ll need a demand letter to claim coverage. To have the best chance of success, it is important to have an experienced Las Vegas Uninsured Or Underinsured Motorist attorney who is aware of all the facts draft the demand letter.
The insurance company will pushbackif the letter is poorly drafted the same way someone else’s insurance pushes back against a claimant.
You may be out of luck if an underinsured motorist runs into you when you’re not in a vehicle or plows into your house.
How a Las Vegas Uninsured or Underinsured Motorist Lawyer can Help
Hiring an uninsured motorist attorney to help you collect from a negligent driver who caused an accident and didn’t have enough insurance coverage to cover your losses is the best way to ensure you can collect as much as possible to cover your damages. Most driver’s who don’t have good insurance coverage also lack assets so suing them in civil court is unlikely to be worthwhile.
Uninsured motorist coverage should cover the difference between the underinsured driver’s coverage and your losses, including your lost wages, pain and suffering, and medical bills.
Insurance companies are likely to make low ball offers and attempt to make you go to court to collect what you are due for your losses. When you have an experienced Las Vegas Uninsured Or Underinsured Motorist Lawyer on their side, the equation changes. They will be more worried about losing in court after spending the money to go to trial which can make the insurance company more willing to settle with a fair offer.
Whether you have serious injuries or property damage that significantly exceeds the at-fault driver’s insurance coverage, we are here to help you recover your financial losses.
If you or a loved one has been injured in a car accident, we can help. Contact us since It is best to have a Las Vegas Personal Injury attorneyon your side during all your interactions with the insurance company.
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