How to Protect Yourself from Uninsured MotoristsFiled under Car Accident, Motorcycle Accident, Pedestrian Accident, Personal Injury, Personal Injury Cases, Premises Liability, Truck Accident
It’s unfortunate, but settling car accidents isn’t always as cut-and-dried as we would like it to be. You’re looking at a lot of damage to your vehicle and possibly medical bills stacking up, only to discover that the person who caused the damage isn’t even covered to take care of it. This is where uninsured motorist coverage comes into play. Learn why you should have uninsured motorist coverage even though it isn’t required in Nevada, and how a personal injury attorney can help.
Nevada Uninsured Motorist Coverage
Uninsured motorist coverage is a form of insurance that supplements your comprehensive and liability policy. It helps to pay for injuries that are caused to you or your passengers during a hit and run accident or by another driver who doesn’t have insurance.
Many people forego this kind of coverage for two reasons: first, Nevada uninsured motorist coverage is not required by law, and second, it is required for all motorists to have liability insurance. Many otherwise responsible drivers figure that anyone they encounter will have the necessary insurance to cover accidents. This can be a big mistake.
Why Extra Coverage Matters
Not everyone on the roads obeys the law, and you might be surprised how many people are out there without coverage. In fact, over 12 percent of drivers on the road are out there without insurance, according to the Insurance Research Council.
Underinsured Motorist Coverage
There are two forms of policy that you may want to consider to make sure you’re entirely protected. The first is the uninsured motorist coverage. The second is underinsured coverage.
This coverage kicks in if the other driver has insurance, but not enough to cover the full damages you suffer. If you are in a serious accident, the other party carrying minimum liability insurance may not have enough on hand to take care of the damages and injuries suffered. In such a case you’ll be happy to have underinsured coverage on your policy.
Higher Is Better
The higher your limits on coverage, the better you’ll be. There’s a saying that insurance is the one service you pay a premium for and hope never to use.
In truth, when you do end up needing it, the more coverage you have, the better off you’ll be. Insurance is there to provide peace of mind, and when you are in a serious accident, you don’t need the extra stress of wondering whether the damages are going to be covered.
Nevada Personal Injury Lawyers
Any time you’re in an accident, you should seek help from Nevada personal injury attorneys. A good attorney can guide you through the process of getting your damages paid for, and will know what steps to take and when to hold the responsible parties accountable.
If you’ve been in an accident recently and need help seeking compensation, read over our car accident services and give one of our Las Vegas car accident lawyers a call for a case review today.