Las Vegas Uninsured or Underinsured Motorists Lawyer
Every state has insurance requirements for drivers, and Nevada has very clear rules for minimum coverage. Unfortunately, not every driver bothers to obtain insurance coverage, and many individuals in the United States drive illegally without valid licenses. According to the Insurance Information Institute, about 13% of American drivers are underinsured or uninsured. Nevada reports slightly lower rates of uninsured drivers at about 10.6% as of 2015.
If you or a loved one gets into a car accident with an uninsured or underinsured motorist in Las Vegas, the attorneys at Panish Shea & Boyle LLP are here to help. We can help you manage your immediate concerns, such as hospital bills and vehicle repairs, and help you build a strong case in the event you decide to take legal action against a negligent driver. Our Las Vegas car accident lawyers can also help you navigate the insurance system to help you get the most out of your own coverage if an at-fault driver does not carry insurance.
Nevada Auto Insurance
Nevada requires automobile liability insurance policies to carry minimum coverage for injury or death of a single person, the injury or death of two or more people in a single accident, and property damage. Nevada’s current minimum requirement is 15/30/10 coverage, or $15,000 for injury or death of a single person, $30,000 for the injury or death of two or more in a single accident, and $10,000 in property damage coverage. However, these minimum requirements will increase to 25/50/20 on July 1, 2018.
It’s important to remember that these are only the minimum requirements, and you generally will have the option to purchase additional coverage through your insurance carrier. More coverage will result in higher premiums, so you will need to decide how much coverage you can afford and what makes you most comfortable. Most auto insurance carriers offer the option of adding uninsured or underinsured motorist coverage, as well. This additional coverage will help cover your out-of-pocket expenses like medical bills and vehicle repairs after an uninsured or underinsured driver causes an accident that injures you.
Can I File a Lawsuit for My Accident?
If you suffer injuries due to the negligent actions of an uninsured driver, you may be tempted to file a personal injury lawsuit against the at-fault driver. If the at-fault driver has sufficient financial assets, he or she may settle with you to cover your damages. However, this is rarely the case for an uninsured driver, so you need to know how to manage your own insurance claim if you cannot rely on a lawsuit.
Your attorney can help you draft a demand letter to your insurance carrier outlining how your damages fit your policy coverage. It’s important to gather as much supporting evidence for this letter as possible to minimize the chances of pushback from a claim adjuster. Remember, insurance companies are in business to make money, and paying out on claims loses money. They will look for any reason they can find to reduce or deny coverage. Your attorney can handle your communications with your insurance company and help guide you toward a favorable claim result.
Hire Legal Counsel
Regardless of the financial situation of an at-fault driver, you have options after an accident with an underinsured or uninsured motorist. The Las Vegas car accident attorneys at Panish Shea & Boyle LLP are available to injured drivers after accidents with uninsured or underinsured motorists. If you’re worried about your own insurance coverage, we can carefully review your policy to look for language that supports your claim. We can help you build a compelling case for coverage against your own policy or draft a complaint for a personal injury lawsuit against a negligent driver, if necessary. Contact us today to schedule a free consultation with one of our attorneys about your uninsured or underinsured driver case in Las Vegas.