Drivers registering a car on the road in Nevada are required to carry a minimum coverage of $15,000 for bodily injury or death of one person and $30,000 for injury or death of two or more persons on any single accident.
There are two realities about this law that many people don’t realize until they are in an accident caused by a negligent driver. First, the Insurance Research Council (IRC) reports that as high as 15 percent of all drivers in Nevada are uninsured or don’t carry the legal minimum for bodily injury or death. Second, medical costs for emergency treatment and ongoing physical therapy can quickly surpass the minimum amount of coverage required by law.
How Do You Get Compensation For Your Injuries When There Is No Insurance?
Nevada operates under a tort system for insurance litigation. That means that an injured driver has the right to sue the responsible party for insurance coverage to pay the full financial damages resulting from the crash. In cases where the negligent driver does not carry insurance, or the amount does not meet the full extent of damages, the injured party is often left to sue his or her own underinsured motorist (UIM) policy.
After being hit by an uninsured driver, many people are surprised to learn, however, that their own insurance provider treats them as a hostile claimant, despite loyally paying premiums on time for years. It’s not their insurance company that is the problem — it’s the way the system works. Insurance adjusters are paid by their employers to try to offer the lowest, quickest settlement possible. Once the injured party cashes the check, all claims for further compensation will be forfeited, no matter how serious the injuries or financial damages turn out to be.
Top 100 Trial Lawyer Filing Insurance Claims For Uninsured Motorists
If you were in an accident with an underinsured or uninsured motorist in Nevada, call Bowen Law Offices in Las Vegas to schedule a free consultation with personal injury litigation attorney Jerome Bowen. He has earned the distinction of being named as a Top 100 Trial Lawyer by the Association of Trial Lawyers of America. He has extensive experience preparing for trial and bringing the strongest, clearest case of evidence possible to the negotiating table when fighting for a fair settlement.