What To Do If You Are Hit By An Uninsured Driver In Nevada

Published On: June 20, 2024
Written By: Casey Xavier, Esq.

Being involved in a car accident is stressful enough, but the situation may become even more problematic if the driver at fault is uninsured. In the state of Nevada, where bustling streets often bear witness to an overwhelming amount of traffic incidents, understanding your personal rights and the steps you should take when hit by an uninsured driver is crucial. This guide will walk you through what to do if you find yourself in this unfortunate predicament, while focusing on essential aspects such as uninsured motorist coverage, dealing with insurance issues, and selecting the right lawyer to handle and help you navigate your case.

Is Uninsured Motorist Coverage Required in Nevada?

In the state of Nevada, drivers are legally required to have motor vehicle insurance, which includes at least carrying the minimum of liability coverage. Unlike some other states, however, Nevada does not mandate drivers to carry uninsured motorist (UM) coverage. UM coverage is an additional protection that can be invaluable in the event of an accident where the at-fault driver lacks insurance, whether that be because they did not purchase it or mistakenly let coverage lapse.

Opting for UM coverage can significantly cushion the financial blow if you are involved in a car accident with an uninsured driver. This coverage assists in paying for your medical bills, pain and suffering, and even lost wages that might occur as a result of the accident. Although it is optional to purchase in Nevada, having UM coverage is highly recommended given that, as per the Insurance Information Institute, Nevada has a relatively high rate of uninsured drivers compared to the national average.

What Does Uninsured Motorist Insurance Cover?

Uninsured motorist insurance provides a safety net in scenarios where the liable party does not have insurance. This coverage typically helps pay for injuries to you and your passengers and, depending on your policy, may also cover property damage. The specific details of what UM insurance covers can vary based on the terms of your individual insurance policy, but generally, it includes:

  • Medical expenses: UM insurance typically covers the cost of medical care resulting from the accident.
  • Pain and suffering: UM insurance compensates for physical pain and emotional distress.
  • Lost wages: UM insurance reimburses for lost income if you are unable to work due to injuries sustained in the accident.
  • Property damage: Though less common, some UM insurance policies also help pay for damages to your vehicle.

It is crucial to review your insurance policy to understand the full extent of what your UM coverage entails. Educating yourself on this information beforehand can save you a lot of stress and confusion in the event of an accident.

What if My UM Insurer Doesn’t Pay Out Benefits?

There are always special circumstances and instances wherein challenges arise, even when you have UM coverage. If your insurance company refuses to pay out benefits under your uninsured motorist policy, you should take the following steps:

  1. Review your insurance policy: Understand the specifics of your coverage. Sometimes, the denial could be due to particular exclusions listed in your policy.
  2. File a formal appeal: If you believe the denial was unjust, file an appeal with your insurer. Provide additional documentation and evidence that supports your claim.
  3. Contact the Nevada Division of Insurance: If your appeal is denied, you can contact the state insurance department to file a complaint against the insurer.
  4. Consult with an uninsured motorist lawyer: An experienced lawyer can provide legal advice and representation, helping you negotiate with the insurance company or take legal action if necessary.

How to Choose the Best Lawyer If You Were in a Car Accident with an Uninsured Driver in Nevada

Selecting the right attorney is critical when dealing with the complexities of a car accident involving an uninsured driver. Here is how you can find a lawyer who will effectively handle your case:

  • Research qualifications and reviews: Look for attorneys with a strong background in handling car accident and uninsured driver cases in Nevada. Read reviews and testimonials to gauge the experiences of past clients.
  • Consider their experience with uninsured motorist claims: An attorney familiar with the uninsured driver laws in Nevada will be better equipped to navigate the legal system and insurance regulations.
  • Schedule a consultation: Most attorneys offer a free initial consultation. Use this opportunity to discuss your case and determine if the lawyer’s approach aligns with your needs.
  • Evaluate their communication skills: Ensure the lawyer you choose is communicative and responsive. You want someone who will keep you informed throughout the process and is accessible when you have questions or concerns.

Being hit by an uninsured driver in Nevada can be a frustrating experience, but with the right uninsured motorist coverage and a skilled attorney, you can navigate the aftermath with confidence and ease while ensuring your rights are protected. Whether you are dealing with insurance claims or pursuing legal action, obtaining knowledgeable support can make all the difference in achieving a favorable outcome.

Why Xavier Injury Law?

When faced with the aftermath of a car accident, especially one involving an uninsured driver, the choice of legal representation can significantly influence the outcome of your case. Xavier Injury Law stands out as a prime choice for several compelling reasons.

  1. Experience and Knowledge: At Xavier Injury Law, we possess familiarity and knowledge with Nevada’s traffic and insurance laws, including the complexities associated with uninsured motorist claims. Casey Xavier has a robust track record of successfully handling car accidents involving uninsured drivers, and ensures that his clients receive the best possible outcome.
  2. Client-Centered Approach: Casey Xavier prioritizes his clients’ needs and well-being. He understands that each case is unique and offers personalized legal strategies tailored to the specific circumstances and objectives of each client. His commitment to maintaining open and transparent communication means that you are always informed and empowered to make the best decisions regarding your case.
  3. Resource Availability: Xavier Injury Law has the resources necessary to thoroughly investigate your accident, gather compelling evidence, and challenge large insurance companies. He is prepared to go to trial if necessary, and we leverage our resources to ensure that your case is as strong as possible.
  4. Reputation and Integrity: Xavier Injury Law is highly respected in the community for our integrity and ethical legal practice. Casey Xavier is known for his relentless advocacy on behalf of his clients and his commitment to achieving justice for those impacted by uninsured drivers.
  5. No Cost Until You Win: Xavier Injury Law operates on a contingency fee basis, which means you don’t pay unless we win your case. This approach allows you to pursue your claim without any upfront financial burden. Casey Xavier invests in your case from the start, aligning his success with yours.

Choosing Xavier Injury Law means partnering with an attorney that is dedicated to your recovery and your rights. With Xavier Injury Law, you’re not just a case number; you’re a valued member of our community who deserves justice and compensation. Let Xavier Injury Law handle your legal burden so that you can focus your energy on the most important thing: your recovery and rebuilding from your accident.


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