Car insurance providers offer many types of coverage, such as bodily liability insurance and guaranteed asset protection coverage. One of the most important components of a Nevada auto insurance policy is uninsured motorist coverage. Some drivers are unsure what this type of coverage entails. The Las Vegas car accident lawyers at ER Injury Attorneys are here to explain uninsured motorist coverage and why it’s so important for Nevada drivers to have.
Uninsured Motorist Coverage Defined
Uninsured motorist (UM) coverage is a vital component of your auto insurance policy that protects you in the event of an accident caused by a driver who doesn’t have insurance. For example, if you’re involved in a collision with an uninsured driver, then your policy’s UM coverage can help pay for medical expenses, lost wages, and other damages resulting from the accident.
Without UM coverage, you would have to pay for any expenses or damages on your own–even if the car crash was 100% caused by the other driver. This coverage can be a financial lifeline if you get into a costly accident with an uninsured motorist. It can serve as a safety net to safeguard your financial well-being when an uninsured driver causes you to be injured in a car wreck.
Do I Need UM Coverage in Las Vegas, Nevada?
In Nevada, insurance providers are required to offer UM coverage, but it is not mandatory for drivers to have it. However, ER Injury Attorneys strongly recommends including this coverage in your car insurance policy. Approximately 10.4% of Nevada drivers are uninsured, giving you a higher-than-average chance of getting into a car wreck with an uninsured driver than in other states.
Although driving without insurance in Nevada is illegal, it is difficult to enforce. The crime is classified as a misdemeanor, so it cannot be the primary reason for law enforcement to stop a driver. While people who drive without car insurance in Las Vegas can face monetary fines and driver’s license suspension, most offenders get away with the crime, while others continue to drive without insurance or a license.
Call Our Las Vegas Car Accident Lawyers If You’re Hit by an Uninsured Driver
The team at ER Injury Attorneys hopes that you have a better understanding of what uninsured motorist coverage entails and why it’s so important for Nevada drivers. Should you get into a car accident involving an uninsured driver, then contact us for immediate assistance. Our team of accomplished Las Vegas injury lawyers will do everything possible to make sure that you receive the money you’re entitled to.
You can reach ER Injury Attorneys 24 hours a day, 7 days a week by phone at 702-878-7878 and online through LiveChat or secure contact form. Our acclaimed personal injury attorneys have successfully served injury victims throughout Nevada, including Las Vegas, Henderson, Summerlin, Pahrump, Boulder City, and Laughlin. Reach out to us today and take the first step towards getting the financial compensation that you deserve.