Uninsured Driver Accidents in Las Vegas
There are an alarming number of uninsured drivers in Las Vegas.
One study by the Insurance Research Council found that 13 percent of Nevada drivers lacked auto insurance. When uninsured drivers have accidents, they almost always have no way to pay for the damage they caused to you, your passengers and your car. Many hit-and-run accidents can be traced back to uninsured drivers.
Some drivers have uninsured/underinsured motorist coverage, which is known as UM/UIM coverage, which will pay medical bills for you and your passengers. However, not everyone has such coverage. And even if you do, your insurance might not be enough to cover the true cost of your car accident.
So what should you do if you’re involved in a car accident with an uninsured driver in Las Vegas? How can you make sure your bills are paid? How can you hold such drivers responsible for their actions? Here are the answers to these questions and several others about uninsured driver accidents in Las Vegas and throughout Nevada.
Frequently asked questions about uninsured driver accidents:
Auto accident involving uninsured drivers can be very confusing. There are so many factors to consider beyond simply whether the driver has insurance. What was the driver doing before the accident? Was alcohol involved? Was the person texting while driving? Questions often lead to more questions. That’s why you need straight answers from Las Vegas personal injury law firm Paul Padda Law. We can help you cut through the red tape and uncover the truth.
“Are drivers required to have auto insurance in Nevada?”
Yes. Nevada drivers must have liability insurance. According to the Nevada Department of Motor Vehicles’ website, “Nevada requires that automobile liability insurance policies carry minimum coverage of $15,000 for bodily injury or death of one person in any one accident; $30,000 for bodily injury or death of two or more persons on any one accident; and $10,000 for injury to or destruction of property of others in any one accident
“What should I do if an uninsured driver causes my Las Vegas car accident?”
Call the police. Ask them to send a police officer to your auto accident. And make sure to take down the license plate number and the make of the car right away – just in case the driver flees the scene of the accident. And if he does, don’t follow him. The driver could be dangerous, and you could put yourself at risk.
“Who pays for a car accident caused by an uninsured driver?”
In many cases, your own insurance company should pay for the costs associated with a car accident caused by driver with no insurance. You must carry uninsured motorist coverage, which covers the cost of your losses, including medical bills and damage to your car or property. But such cases can be difficult. Your own insurance company may try to say you were at fault and not pay your claim.
“What if the cost of my uninsured driver accident exceeds my UM/UIM coverage?”
Your insurance company should pay for your accident caused by an uninsured or underinsured driver, even if the cost of your car accident exceeds your insurance coverage. But that’s easier said than done. Many insurance companies try to only pay the “per person” and “per accident” limits on UM/UIM coverage. That’s why you need someone on your side who can help you take on your insurance company and make sure you’re fairly compensated for your accident.
“Should I hire a lawyer if an uninsured driver causes my car accident?”
Yes. An experienced, aggressive Las Vegas attorney can make sure insurance companies fairly compensate you for your accident. If necessary, we can help you file a lawsuit against your insurance company to make sure you get the compensation you rightfully deserve. Remember, you didn’t do anything wrong. You shouldn’t have to pay for someone else’s mistakes.