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Nevada car accident laws set the ground rules for who pays, how insurance works, and how long you have to file a claim. Knowing these basics helps you protect your rights after a crash in Las Vegas, Reno, or anywhere in the state.
At High Stakes Injury Law, we guide injured Nevadans through fault disputes, insurance questions, and deadlines. For an overview of the cases we handle, visit our Practice Areas page.
Nevada accident claim: Key Takeaways
- Nevada is an at-fault state, and comparative negligence can reduce your recovery if you share fault.
- Minimum auto insurance limits apply statewide, and UM/UIM and MedPay can fill coverage gaps.
- Serious crashes must be reported accurately, and most injury lawsuits have a two-year statute of limitations.
Nevada’s at-fault insurance system, in plain English
Nevada uses an at-fault system. The driver who caused the crash is responsible for the damage. You can file a claim with the at-fault driver’s insurer or sue if needed.
Nevada also follows comparative negligence under Nevada Revised Statutes – Section 41.141. If you are partly at fault, your compensation is reduced by that percentage. If you are 50 percent or more at fault, you cannot recover. You can read the statute on the state’s website for the exact rule and wording.
Nevada car accident laws are shown through drivers exchanging insurance and police documenting the crash
What are the minimum Nevada auto insurance rules?
Nevada state law requires at least 25/50/20 liability coverage, which means:
- $25,000 for injury or death per person
- $50,000 for injury or death per accident
- $20,000 for property damage
Insurers must offer Uninsured/Underinsured Motorist coverage. You can decline it in writing, but many drivers keep it because it helps when the other driver has no insurance or not enough. MedPay is optional, and it can help cover medical bills regardless of who caused the crash. The Nevada Division of Insurance explains these requirements and options.
Reporting rules after an accident, so you do it right
If there is injury, death, or apparent property damage of $750 or more, you must file a crash report with Nevada’s DMV within 10 days, using the SR-1 form – unless an officer already filed a report. The DMV (Department of Motor Vehicles) hosts the form and instructions. Missing this step can result in penalties and complicate your claim.
Quick checklist after a crash
- Call 911 if anyone is hurt.
- Get the officer’s name and report number.
- Take photos of vehicles, location, and injuries.
- Exchange info with drivers and witnesses.
- See a doctor within 24 to 48 hours, even if the pain seems mild.
- Save medical bills, repair estimates, and time-off records.
Statute of limitations for car accident claims in Nevada
Most personal injury lawsuits must be filed within two years of the crash. Waiting risks evidence going stale and may result in your claim being denied. If a minor is injured or an injury is discovered later, special rules may apply. When in doubt, speak with an attorney sooner rather than later.
Common mistakes Nevada drivers make after a crash
Minor missteps can lead to significant claim issues. The most common issues we see are:
- Admitting fault at the scene or in app messages.
- Skipping or delaying medical care.
- Giving recorded statements to insurers too soon.
- Forgetting to file the DMV SR-1 when needed.
A lawyer can handle insurer calls, timeline planning, and document requests while you focus on recovery.
The role of evidence, and why consistency matters
Strong evidence is your best leverage. Helpful proof includes:
- Photos and video from phones or nearby cameras
- Medical records and itemized bills
- Witness names and contact information
- The police report number and follow-up documents
Keep your story, symptoms, and dates consistent across all records. That consistency builds credibility and can speed negotiations.
Why UM/UIM and MedPay coverage can be a lifesaver
If the other driver has no insurance or insufficient coverage, UM/UIM can provide coverage for you and your passengers. MedPay can help with emergency transport, imaging, and co-pays, regardless of fault. Many Nevadans add these for peace of mind because they can reduce out-of-pocket stress while a claim is pending. The Nevada Division of Insurance provides plain-language guidance on these options.
Extra tips most drivers overlook
- Document pain and limitations. Keep a simple recovery journal that records pain levels, missed work, and activities you are unable to do.
- Watch what you post. Social media photos or comments can be used to question your injuries.
- Track all expenses. Save receipts for prescriptions, rideshares to appointments, and adaptive devices.
Talk To A Nevada Car Accident Lawyer Who Gets It
You do not have to handle fault disputes, forms, and insurers on your own. Schedule a free case review with High Stakes Injury Law. We will explain your options and next steps, start to finish. Contact us today to get started.
Nevada Auto Insurance Rules: The Bottom Line
Nevada law sets clear rules for fault, insurance, and deadlines. Learn the basics, get prompt medical care, and keep your paperwork tight. If questions pop up, a quick call with a lawyer can protect your claim and your peace of mind.
Nevada Car Accident Laws: FAQ
We hear these frequently asked questions about Nevada car accident laws from drivers across the state.
Do I have to report every accident to the DMV?
Report it if there is injury, death, or $750 or more in damage, and no officer filed a report. Use the DMV’s SR-1 within 10 days.
Can I still recover if I was partly at fault?
Yes, unless you are 50 percent or more at fault. Your recovery is reduced by your share of fault under NRS 41.141.
What insurance pays my medical bills?
The at-fault driver’s liability insurance is primary. Your MedPay and health insurance can help in the meantime. UM/UIM can fill gaps.
How long do I have to file a lawsuit?
Most personal injury cases have a two-year deadline from the crash date. Do not wait to gather evidence.
Should I talk to the other insurer?
Keep it short and factual, and avoid recorded statements until you get legal guidance.
About Our Firm
High Stakes Injury Law is led by attorney Scott Poisson, who has represented accident victims since 1993. Our firm specializes exclusively in personal injury law, encompassing accidents involving cars, trucks, motorcycles, and rideshare services. We are known for clear communication, client-first service, and results for Nevadans. Learn more about us to see how we can help you.