Even though you might consider yourself the best driver on the road, there’s a strong possibility that you’ll be involved in a car accident at least once in your life. There is a lot that runs through your mind in the minutes and days following an accident. You’ll likely ask yourself “am I at fault in the crash?”
No matter what type of crash you’re involved in, Nevada car accident laws and car insurance regulations are sure to play a big part in your claim. From fender benders to severe crashes, Nevada car accident laws can make a huge difference in the amount of compensation you receive after an incident.
Is Nevada a No-Fault State?
Whether fault matters in a car accident depends on individual state laws. Because Nevada is a fault state, also known as a tort state, the person determined to be at fault for the accident is responsible for resulting damages or injuries.
- No-fault laws: Drivers do not have to prove who was responsible for an auto accident, and insurance compensation does not depend on fault.
- Fault laws: In order for compensation to be distributed, fault must be proved for any auto accident. The at-fault party’s insurance company will be responsible for covering all injuries and damages.
What Are Nevada Car Accident Laws?
Nevada also has a modified comparative negligence or shared fault rule that allows proportional recovery for parties determined to be less than 50 percent responsible for injuries or damages. To make sense of this law, let’s look at an example.
Mike is speeding in a residential area, and approaching a green light. Another driver crosses the intersection, running their red light and hitting Mike. Mike is left with severe injuries due to the collision.
In the following lawsuit, it is determined that Mike’s injuries are worth $100,000. However, because Mike was speeding, he is determined to be 20 percent at fault while Josh is 80 percent at fault. But because Mike’s number is less than 50 percent, he will not be responsible for paying out anything. Josh’s number is well above 50 percent, so he is responsible for covering Mike’s injuries and damages.
How Is Fault Determined?
Determining fault is a tricky thing. Insurance agents have to collect as much evidence as they can in order to justify settlement amounts. And sometimes, an insurance company may determine you to be partially at fault despite your thoughts on what happened in the accident.
Some of the elements that will make the biggest difference in your car accident claim include the following:
- The speed you and the other driver were going
- The weather conditions during the accident
- Surrounding traffic signals and rules
- Police reports and witness statements
- Whether a driver admits fault after an accident
If you are dealing with the aftermath of an auto accident, you should know that the other party’s insurance company will do everything they can not to pay you a large settlement. After all, they’re not your insurance company, so they probably won’t be sympathetic to your situation. That’s why it’s extremely important that you do your best to prove your side of the story.
How Does Fault Impact My Insurance Rates?
One of the biggest fears drivers have after an auto accident is whether their car insurance rates will go up. If you are found to be not at fault in the accident, you most likely won’t need to worry about a rate increase. But if you were found to be at fault, it might be a little different.
Your rates will not rise immediately. Your insurance company understands that these things happen all the time, so they will look at a number of factors before making the decision to raise your rate. These factors include your past driving history and the circumstances surrounding the accident. Even if your rates do rise, you can help them go back down by having a safe driving record in the next few years.
What Are My Options After a Crash?
If you’ve been involved in an auto accident and need compensation for property damage or injuries, you have a few different options moving forward:
- File a claim with your own auto insurance company (if your policy covers personal injury)
- File a third-party claim with the other party’s insurance company
- File a personal injury lawsuit against the at-fault driver
Filing a personal injury lawsuit often yields the highest awarded compensation. Make sure you work with an experienced Nevada auto accident lawyer to receive fair financial compensation for your injuries.
While the amount of compensation you receive after an auto accident can vary, there are limits to the amount you can receive under liability car insurance. Liability coverage is used to pay for medical bills, property damage, and other types of damage. It generally does not cover pain and suffering.
Nevada drivers are required to carry certain amounts of liability insurance, following the 25/50/20 rule:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
- $20,000 for property damage per accident
Once these amounts are paid out by the insurance company, the insurance holder will be responsible for the remainder of the plaintiff’s financial compensation. Nevadans also have the option of purchasing additional car insurance to cover more than the required amounts.
If you are involved in a severe car accident that results in injuries requiring much higher compensation, it can be smart to hire an auto accident lawyer. They can help ensure that you receive enough compensation for your injuries and property damage.
When to Contact a Nevada Auto Accident Attorney
Car accidents can be very scary, even if they are fairly minor. But trying to navigate an auto accident lawsuit alone can be even scarier. At Shook & Stone, we specialize in auto accident lawsuits and personal injury claims. With over 85 years of combined legal experience, our attorneys have helped clients win over half a billion dollars in recovered compensation.
Contact Shook & Stone today for your free consultation, or call us directly. With our firm, you can trust that your auto accident lawsuit is in the right hands.