Accidents involving uninsured or underinsured drivers can lead to significant financial burdens. Hence, understanding how uninsured motorist coverage in Nevada works is essential. Many drivers wonder: Will my insurance go up if I use an underinsured motorist claim? Do uninsured motorists claim an increased premium? Will my insurance go up if I use an uninsured motorist claim?
Fortunately, Nevada law offers strong protections for drivers, preventing unfair rate increases when filing a UM/UIM claim. Understanding your rights can help you navigate insurance claims and ensure you’re not left with unexpected expenses after an accident with an uninsured or underinsured driver.
What is Uninsured and Underinsured Motorist Coverage in Nevada?
Uninsured motorist coverage in Nevada provides financial compensation if you’re involved in an accident with a driver who doesn’t carry car insurance. Underinsured motorist coverage applies when the at-fault driver’s insurance is insufficient to cover your medical expenses, property damage, and other losses. These policies cover:
- Medical Bills
- Lost Wages
- Pain and Suffering
- Property Damage
This coverage is especially crucial for Las Vegas motorcycle accident victims, as motorcyclists face a higher risk of severe injury in car accidents. Consulting a Las Vegas motorcycle accident lawyer can help ensure you receive the compensation you deserve.
Is Uninsured Motorist Coverage Required in Nevada?
A common question Nevada drivers ask is: Is uninsured motorist coverage required in Nevada? The answer is no, but insurance companies must offer it. If you choose not to include it in your car insurance policy, you must reject it in writing.
While not required, having uninsured motorist coverage in Nevada is highly advised. Studies show that over 10% of drivers in Nevada are uninsured. Without UM/UIM coverage, you may have to cover medical bills, property damage, and other expenses out of pocket after an accident.
Will Filing an Uninsured or Underinsured Motorist Claim Raise Your Rates?
Under Nevada law, insurance companies cannot raise your rates just because you file a UM or UIM claim. Insurers cannot increase premiums or deny renewal due to filing a claim for an accident where you were not responsible.
If you’re involved in an accident with an uninsured or underinsured motorist, your insurance company must cover your losses without unfairly raising your rates. However, if you file multiple claims within a short period, whether for personal injury, property damage, or other losses, your insurer may consider you a higher-risk driver, which could lead to a rate increase over time.
Benefits of Uninsured and Underinsured Motorist Coverage in Nevada
Even though Nevada uninsured motorist coverage isn’t mandatory, having it can save you from significant financial strain. Here’s why:
- Covers Medical Expenses: Medical care after a motor vehicle accident can be costly, especially for Las Vegas motorcycle accident victims.
- Protects Against Uninsured Drivers: If the at-fault driver is uninsured, your policy covers property damage and medical bills.
- Fills the Gap Left by Underinsured Drivers: If the fault driver doesn’t have enough coverage, your motorist coverage in Nevada can cover the remaining costs.
- Peace of Mind: Knowing you have financial protection if an uninsured or underinsured motorist hits you can be invaluable.
Without uninsured motorist coverage in Nevada, you could be left paying out-of-pocket for medical expenses and property damage after a crash. Investing in this coverage ensures you’re financially protected, no matter who’s at fault.
What to Do After an Accident with an Uninsured Driver
Getting into a car accident with an uninsured driver can be overwhelming, but acting promptly can protect your rights and improve your chances of receiving compensation. Taking immediate action can also help prevent disputes with your insurance company and ensure a smoother claims process.
- Call the Police: A police report is crucial when filing a claim and proving the other driver was at fault.
- Seek Medical Attention: Even minor injuries can worsen over time, so it’s important to get checked by a doctor.
- Document the Accident: Take photos of the property damage, the fault driver’s vehicle, and any visible injuries.
- Contact Your Insurance Company: Notify your insurance provider to start the uninsured motorist coverage claim process.
- Consult a Lawyer: A personal injury attorney in Las Vegas can help negotiate with your insurance company and fight for the compensation you deserve.
Following these steps can help ensure you are financially and legally protected after an accident with an uninsured or underinsured motorist.
How a Personal Injury Attorney Can Help
If you’ve been involved in an accident with an uninsured or underinsured driver, working with a Las Vegas motorcycle accident attorney or personal injury attorney Las Vegas can make all the difference. An experienced lawyer can:
- Negotiate with the insurance company to ensure you receive full compensation
- Prove the other driver was at fault, preventing unnecessary rate increases
- Help recover damages for medical expenses, lost wages, and pain and suffering
- Assist in lawsuits against the at-fault motor vehicle driver
Navigating a car accident claim alone can be overwhelming, especially when dealing with an uninsured or underinsured motorist. A skilled attorney can protect your rights, handle the legal complexities, and help you secure the compensation you deserve.
Seek Legal Guidance
If you’re unsure whether you have the right coverage or need help with an uninsured motorist claim, The Schnitzer Law Firm is here to assist you. We are here to guide you through the process. Reach out to us today by calling (702) 960-4050 for a free consultation and let us help protect your rights!