It is illegal to drive in Nevada without auto liability insurance coverage. However, the sad reality is that many drivers on the road today drive without car insurance. The majority of Nevada motorists carry low limits of Bodily Injury coverage. Bodily Injury coverage is the insurance available to pay others if the accident is your fault. You can protect yourself from the losses and costs associated with injuries caused by other motorists by purchasing uninsured/underinsured motorist coverage as part of your automobile insurance policy. This coverage is commonly known as UM/UIM coverage.
Uninsured Motorist coverage compensates you or your passengers for injuries you suffer in a car accident caused by an uninsured driver or an underinsured driver. Uninsured motorist coverage also kicks in when you are involved in a car accident with a vehicle that cannot be identified, commonly referred to as a “phantom vehicle.” Hit and run accidents are the most common examples of this. If you are the victim of a hit and run car accident you should report the accident immediately. Due to the concern for fraud in hit and run accidents, many insurance companies require an insured to report a hit and run car accident within 24 hours.
Whether you have been the victim of a hit and run car accident or involved in a car accident with an uninsured driver or an underinsured driver, you should contact a qualified Las Vegas, Nevada uninsured motorist coverage attorney at the Law Office of Paul W. VanDerwerken as soon as possible after the accident to discuss your rights under the law.
By Statute in Nevada, if you have uninsured motorist coverage, you also have underinsurance coverage. Underinsurance coverage means that, in the event your damages exceed the at-fault driver’s bodily injury liability limits, your underinsurance coverage will pick up where the adverse driver’s liability coverage ends. For example, if your injury claim is worth $30,000, and the adverse driver has $15,000.00 bodily injury liability coverage, and you have $15,000.00 underinsurance coverage, you will be fully compensated for the value of your claim.
It is hard enough to deal with insurance companies when the parties involved in a car accident are well insured. It becomes increasingly difficult to reach a fair settlement when there is one or more underinsured motorist involved. You want to make sure you have an experienced attorney on your side, so you can come up with a plan to take care of your bills. As experienced litigators dedicated to personal injury law, our Las Vegas underinsured lawyer is not afraid to put the pressure on the insurance companies involved.
At the Law Office of Paul W. VanDerwerken, we frequently represent motorists making uninsured and underinsured motorist claims against their insurance companies. We do the hard work for you, demanding that your insurance company fully compensate you for all of your damages just as the liable motorist would if he or she was fully insured. It is not appropriate for your insurance company to blame you for being involved in an accident with an uninsured or underinsured motorist, and we will make sure that does not happen. If you feel you may have a potential case please call our office today at 702-385-5050 for a free initial legal consultation. We have been helping clients with uninsured and underinsured motorists claims for over 20 years. Attorney Paul W. VanDerwerken has represented clients in over 125 jury trials and settled over 2,000 cases. Our office is located in Las Vegas and we serve clients in Las Vegas, North Las Vegas, Henderson, Boulder City, Pahrump, Overton, Logandale and throughout the state of Nevada.