Uninsured Motorist Claims in Las Vegas
Hit by an uninsured driver? We can help.
What happens when the driver who hits you does not have auto insurance?
Thankfully, you have options. Most drivers are covered by something called
uninsured motorist coverage (UM coverage). This type of coverage will
cover the cost of your losses, both property losses and medical expenses,
in the event of a collision caused by an uninsured motorist.
In an accident with an uninsured motorist?
Call Shook & Stone for a FREE case review!
If you are insured, you pay a monthly premium to your auto insurance company
in accordance with the amount of coverage that you've chosen. This
will differ from policy to policy, depending on the amount you have chosen.
If you were involved in this type of accident, a Las Vegas car accident
attorney at Shook & Stone may be able to help you.
UM insurance: is it required in Nevada?
UM insurance can be purchased in accordance with the state's minimum
but cannot exceed the amount you have chosen for your personal liability
coverage. This is the same when it comes to underinsured motorist coverage.
Under some circumstances, uninsured motorist accidents can be litigated.
For example, the victim of an accident would sue the driver who caused
the accident in order to recover money for losses (car and medical). An
insurance company can agree to pay the final judgment but only after a
court determines that the uninsured motorist was actually at fault for
UM Insurance Covers:
- Medication Costs
- Ongoing Medical Care
- Medical Bills
- Property Damage
This is often an area of contention when it comes to UM claims. Liability
might wrongfully be shifted onto you as a partial cause of the accident.
If this happens, that it is a case of contributory negligence. Let's
say that the court or your insurance company determined that you were
40 percent at fault for the accident and the uninsured motorist was 60
percent at fault. If the total cost of property damage and medical expenses
totaled $5,000, then you would only be able to recover up to $3,000 from
the other driver. The rest would have to come from personal liability coverage.
Hit and Run Accidents
If an accident is caused by a driver who fails to stop at the scene, this
is considered a hit and run accident. Since the driver is not around after
the accident to exchange insurance information with, this can be treated
as an uninsured motorist claim. In many instances, law enforcement is
able to track down a hit and run driver so that they can properly be held
liable for the accident. When law enforcement is not nearby and the driver
gets away, the victim will be left with few options, especially if they
do not have UM coverage.
There is also something called Uninsured Motorist Bodily Injury (UMBI)
which can provide coverage for you if you are a pedestrian and were hit
by an uninsured motorist. This type of coverage would not include property
damage, since you were not in a car, but would likely cover things like
medical expenses and lost wages.
Click here if you have questions about underinsured motorist claims.
Las Vegas Car Accident Lawyer
Whatever circumstances caused your car accident, do not hesitate to contact
Shook & Stone to glean more information. If you are unsure whether
or not you are covered (or fully covered) by UM insurance, our firm can
analyze your policy as well as the details of your accident to make an
accurate determination. The Las Vegas car accident lawyers at our firm
are skilled in dealing with car accident claims and lawsuits, including
accidents involving uninsured motorists. If an uninsured driver hit you
and you aren't sure what the next step is, contact our firm and receive
a free evaluation of your case.