Why is under insured and uninsured motorist coverage the most important insurance to carry?

When choosing car insurance to cover your vehicle, there can often be a range of options from which to choose. There is really no such thing as “full coverage.” In addition to the basic choice between comprehensive, collision and liability coverage, there are specific categories of insurance that it can be particularly important to watch. In particular, uninsured or under-insured motorist coverage is perhaps the single most important type of car insurance for many drivers. Still, people often ignore this coverage or believe it is an unnecessary option that protects at-fault drivers rather than themselves, their family and their friends. On the contrary, this type of insurance works to protect safe and insured drivers when they are injured by others on the road who do not have enough insurance to cover all of the damages.

UM Coverage Protects Safe Drivers

While it’s possible in Nevada to carry only minimum auto insurance coverage, these minimal policy limits provide little protection. Choosing not to buy certain coverages, or only buying the minimum, you are at risk if you are hit by a driver without insurance driving dangerously. When the other driver has little or no insurance you could be left holding the bag and facing extensive, expensive costs for property damage and severe personal injuries. This is true even if the other driver is at fault. Uninsured or under-insured motorist coverage steps in when the at-fault driver has insufficient insurance coverage to deal with all the injuries and property damage resulting from a crash they caused.

The Most Important Coverage

Uninsured and under insured motorist coverage from your own insurance company will fill in the gaps due to the lack of coverage provided by the at-fault driver. This type of coverage can make all the difference for someone who has been seriously injured in a car crash caused by an uninsured or under insured driver. This means that it can be considered the most important form of car insurance for anyone who gets behind the wheel in Nevada.

As a personal injury law firm Las Vegas, we see many cases in which uninsured motorist coverage can make a substantial difference in the experience of drivers and passengers who have been injured due to another’s negligent or dangerous driving. People driving without insurance or carrying only minimum policies can have personal injury coverage limits that do not begin to cover the hospitalization costs and other medical needs associated with a serious car accident.

No one wants to get into a car crash; unfortunately, distracted, drunk and other dangerous drivers are all too plentiful on the roads, and even the best driver can find it impossible to escape every situation created by another’s negligent behavior. If you have been injured in a car accident, a personal injury law firm Las Vegas can help you to protect your rights and seek the compensation you deserve for your damages, including medical expenses, lost wages and pain and suffering. A top Las Vegas personal injury lawyer can also help you find all potential insurance policies available to pay for your damages. Contact The Schnitzer Law Firm at 702-960-4050 or use our simple online form to set up a free consultation with no obligation.