HENDERSON UNINSURED MOTORIST LAWYER

Almost all states require drivers to have insurance coverage in the event of an accident. Each state has different minimum coverage requirements. For example, Nevada law requires drivers to maintain at least 25/50/20 vehicle liability insurance. This means the driver must have insurance that meets the minimum coverage limits of:

• $25,000 for bodily injury or death per person
• $50,000 for bodily injury or death per accident
• $20,000 for property damage

However, these minimum coverages are not enough to cover damages for all accidents. Plus, approximately 12% of Nevada drivers have no insurance at all.

Car accidents are frustrating enough. What happens when you’re dealing with a motorist who has little or no insurance? Understand your legal options with help from a Henderson uninsured motorist lawyer from Cameron Law.

What is Uninsured Motorist Insurance?

If you are hit by an uninsured driver, you likely won’t have enough money to pay your medical bills, car repair bills, and other damages caused by a car accident. Private health insurance can help with medical bills, but many have high deductibles and copays. And health insurance will not pay to fix your car.

Because of this, many Nevada drivers choose to protect themselves by purchasing uninsured motorist coverage. This coverage is optional. It is not automatically included in your policy and you will need to pay an additional premium for it, but it’s well worth it if you are ever involved in an accident with a driver who has insufficient insurance.

There are two types of uninsured motorist insurance in Nevada:

• Uninsured motorist bodily injury coverage. This covers yourself and others in your vehicle. Coverage includes medical expenses, pain and suffering, lost wages, future lost earning capacity.
• Uninsured motorist property damage coverage. This insurance pays for vehicle repair costs if you are hit by an uninsured driver.

Filing a Claim

Drivers often won’t admit they don’t have insurance. If you find out that the at-fault driver does not have insurance, you should file an uninsured motorist claim. However, you may get the runaround from your insurance company. They might give you a lowball offer or try to deny your claim even though it is valid.

In these cases, it may be beneficial to pursue an uninsured motorist claim with the help of a personal injury lawyer. An attorney can negotiate with your insurance company while you get treatment for your injuries. A personal injury lawyer can assess all your damages and help you get full and fair compensation for your pain, suffering, lost wages, and other damages.