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Uninsured and Underinsured Motorist Insurance Coverage – Car Accidents

Nevada only requires its residents to carry insurance coverage in the amount of $15,000. This amount of coverage covers almost nothing in a serious car accident.

Our law firm handles a number of different types of car accident claims as part of our practice. Many of our Las Vegas clients become seriously injured and learn that the driver who hit them carries little to no insurance. This is a problem because the medical bills alone can make the experience of being a car accident victim all the more stressful. It’s one thing to be injured but it’s even worse to be injured and broke.

We recommend that all of our clients get uninsured or underinsured motorist coverage. This coverage comes into play when the insurance policy limits of the other at fault driver become exhausted.

Below is how underinsured motorist coverage works:

Judy was driving her car east on Warm Springs Road in Henderson, Nevada. Jim was driving south on Valle Verde Drive, which intersects with Warms Springs. Judy had the green light and entered the intersection. Jim, who was drinking a Jack and Diet Coke at the time, did not pay attention and ran the red light, striking Judy. Judy suffered a herniated disc and required surgery. Her medical bills were almost $50,000 and she had lost income in the amount of $35,000. Jim only carried $100,000 in insurance. His carrier paid the whole amount to Judy. Luckily, Judy carried an additional $100,000 uninsured motorist policy. As a result, insurance carrier should pay her the full amount of money on the policy in good faith.

The attorneys in our law firm handle a wide variety of car accidents. Feel free to call the toll free number on this page and ask for our Las Vegas, Nevada office. We answer calls 24 hours a day, 365 days a year.