Like every state, Nevada requires all motorists who use its roadways to carry a minimum amount of liability insurance. The DMV monitors the insurance coverage of Nevada-registered vehicles and imposes penalties, including fines and suspended registrations, upon drivers who fail to comply with minimum requirements. Unfortunately, not everyone complies with the law, and accidents with uninsured motorists do happen. When the uninsured driver is at fault, people injured in the accident may face greater challenges in seeking compensation for their injuries.
The problem of collecting
In any car accident involving serious injury the adequacy of the at-fault driver’s insurance can be a central issue. The state’s minimum coverage requirements ($25,000 for bodily injury or death of one person per accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $20,000 for property damage in any one accident) are rarely enough to cover the cost of major medical treatment.
The problem of adequate compensation becomes worse when dealing with an uninsured motorist. With no insurance company around to pick up the tab, the plaintiff has to go after the defendant’s personal assets. The trouble is that few drivers will let their insurance coverage lapse unless they can’t afford the premiums. In other words, an uninsured motorist is more likely than not to have few resources to compensate an injured plaintiff. In fact, if the defendant isn’t likely to have much in the way of resources to compensate the plaintiff, there may be little reason to sue.
Protect yourself against uninsured motorists
Perhaps the most important lesson to take away from a consideration of the uninsured motorist problem is that the best response to them is preparation. Auto insurance carriers are required by law to offer uninsured motorist protection. Such insurance typically protects a driver from medical bills associated with injuries caused in accidents where the at-fault driver was not lawfully insured.
Another option in the insurance realm is coverage for events in which the at-fault driver’s insurance is inadequate to compensate for serious medical care. Because the state’s minimum insurance requirements are so low, drivers with the means to do so should strongly consider adding additional coverage to protect themselves and their passengers in the event of an accident.
GGRM is a Las Vegas accident law firm
The law firm of Greenman Goldberg Raby Martinez has represented injured clients in the Las Vegas area for over 45 years. If you have questions about how to protect yourself from an uninsured motorist, or if you have been in an accident and you’d like to talk through your legal options, please reach out to us today. For a free, confidential attorney consultation, call 702-388-4476, or ask us to call you through our contacts page.