Uninsured Motorists Coverage: Why Every Nevada Driver Needs ItFiled under Insurance Issues
Uninsured Motorists Coverage, while not required by the State of Nevada, is coverage every driver should have in their policy. In a perfect world, every driver on the road who is at fault for a car accident would carry adequate car insurance so that they would be able to fully compensate someone they injured in a car accident. However, everyone knows that the ideal world operates very differently than the reality of everyday life and the failure of uninsured drivers to maintain auto insurance can lead to potential problems and barriers to recovery for the people they injure.
According to a recent study by an organization that tracks statistics for the insurance industry, about 1 in 8 drivers on the road is operating their vehicle without insurance. What if you have the misfortune of being hit by that one driver who is uninsured? How will you be compensated for your injuries?
Without Uninsured Motorists Coverage, Can You Receive Compensation for Injury Caused by an Uninsured Driver? Take Your Chances!
Without Uninsured Motorists Coverage, your compensation depends on your individual circumstances and it may be helpful to seek the advice of a personal injury attorney to get your questions answered. In short, without Uninsured Motorists Coverage your compensation for injuries is not a sure thing. Are you willing to roll the dice and take a chance? Self-help gurus and motivational speakers constantly stress the general principle that one should “only worry about things that you can control” and to not allow one’s mind to be occupied by those decisions and actions of others that one has no control over. Unfortunately, this general premise may be of little consolation or help to you after you’ve been hurt in a car accident by that 1 in 8 driver who is uninsured. Though you need and deserve to be compensated for your injuries so that you can recover, you could be out of luck.
Uninsured Motorists Coverage Gets You Out of Chance and Back into Control
While an injured person may not be able to control whether the driver who hit them made the decision to carry adequate auto insurance, every driver in Nevada can elect to carry optional coverage under their own insurance policy in the form of Uninsured Motorists Coverage to protect them and help to compensate them for medical expenses that may result from an accident caused by an uninsured driver.
Uninsured Motorists Coverage Creates a Source of Injury Compensation for You
Generally, when a person is injured in a car accident, the first avenue to pursue in recovery for that person’s injuries is a claim with the insurance company that insured the driver who was at fault for the accident. However, when the driver who caused the accident is not carrying insurance or cannot be located due to the fact that they fled the accident scene, in essence there is no claim to pursue. Under these circumstances, Uninsured Motorist Coverage provides the injured person with the potential to pursue a claim and be compensated through their own policy.
Uninsured Motorists Coverage vs. the Cost of Financing Your Own Injuries
Unfortunately, many drivers in Nevada elect not to carry Uninsured Motorists Coverage because it is an optional coverage that will increase their monthly premiums. However, the potential increase to their monthly insurance payments to add Uninsured Motorists Coverage ultimately could amount to a fraction of the cost the injured person may be stuck having to pay for the cost of their treatment and bills caused by an uninsured driver. For this reason, it may be helpful to discuss possibly adding Uninsured Motorists Coverage to your auto policy with your insurance agent.
No Uninsured Motorists Coverage, Yet Injured by an Uninsured Driver?
If you or someone you know has been injured by an uninsured driver, contact Paul Padda Law for a consultation to explore your options for injury compensation.