Is Uninsured Motorist Coverage Required in Nevada?
Car accidents can be a traumatic experience, especially if you are involved in one with an uninsured driver. In Nevada, it is mandatory for drivers to have liability insurance to cover damages and injuries caused to others in an accident. However, not all drivers follow this law, leaving you vulnerable to financial loss and medical expenses. This is where uninsured motorist coverage comes into play. But is it required in Nevada? Let's find out.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is an insurance policy that protects you if you are involved in an accident with a driver who does not have liability insurance or has inadequate coverage.
It covers medical expenses, lost wages, and other damages that you may incur as a result of the accident. This type of coverage is optional in some states, but it is mandatory in others.
Is Uninsured Motorist Coverage Required in Nevada?
Yes, uninsured motorist coverage is required in Nevada. According to Nevada Revised Statutes (NRS) 687B.145, all auto insurance policies issued in the state must include uninsured motorist coverage. The minimum coverage required is $25,000 per person and $50,000 per accident for bodily injury, and $20,000 per accident for property damage.
What Are Some Relevant Laws?
Apart from the requirement for uninsured motorist coverage, there are other laws that you should be aware of if you are involved in a car accident in Nevada. One of them is the statute of limitations. In Nevada, you have two years from the date of the accident to file a personal injury lawsuit. If you fail to file within this time frame, you may lose your right to seek compensation.
Another law to keep in mind is the comparative negligence rule. Nevada follows a modified comparative negligence rule, which means that if you are partially at fault for the accident, your compensation may be reduced. For example, if you are found to be 20% at fault for the accident, your compensation will be reduced by 20%.
How Big of a Settlement Can I Win?
The amount of compensation you can receive for an accident with an uninsured driver depends on several factors, such as the severity of your injuries, the extent of property damage, and the amount of insurance coverage you have. However, the minimum coverage required by law may not be enough to cover all your expenses.
If you have uninsured motorist coverage, you may be able to recover damages up to the limit of your policy. If your damages exceed the policy limit, you may be able to file a lawsuit against the at-fault driver to recover the remaining amount. An experienced lawyer can help you determine the best course of action to maximize your compensation.
What Should I Do If I Am Involved in an Accident with an Uninsured Driver?
If you are involved in an accident with an uninsured driver, the first thing you should do is call the police and seek medical attention if necessary. Even if the other driver does not have insurance, you should exchange contact and insurance information with them.
Next, you should contact your insurance company and report the accident. Your insurance company will investigate the accident and determine the amount of compensation you are entitled to. If you have uninsured motorist coverage, your insurance company will cover your damages up to the limit of your policy.
If your insurance company denies your claim or offers a low settlement, you may need to hire an experienced lawyer to help you negotiate a fair settlement or file a lawsuit to recover your damages.
How Can an Experienced Lawyer Help?
An experienced lawyer can help you navigate the complex legal process of recovering damages from an accident with an uninsured driver. They can help you gather evidence, negotiate with insurance companies, and file a lawsuit if necessary. They can also help you determine the best course of action to maximize your compensation.
In addition, a lawyer can help you understand your legal rights and obligations, as well as the relevant laws and regulations that apply to your case. They can also provide you with guidance and support throughout the entire process, from the initial consultation to the final settlement or verdict.
Uninsured motorist coverage is mandatory in Nevada, and for good reason. It protects you from financial loss and medical expenses if you are involved in an accident with an uninsured driver. If you are involved in such an accident, call High Stakes Injury Law at (702) 707-5934 for a free case review. Remember to stay safe on the road and always carry adequate insurance coverage.
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