While most Nevada drivers understand that automobile insurance is required if they want to drive on public roads, some are confused by the individual components of a car insurance policy. One of the most significant components of an auto insurance plan is bodily injury liability coverage. To help you and the drivers in your household understand this aspect of Nevada car insurance, the Las Vegas car accident lawyers at ER Injury Attorneys explain what this coverage entails and what the state requires.
What Does Bodily Injury Liability Car Insurance Cover?
Bodily injury liability coverage helps protect you financially if you’ve caused a car crash and people were hurt as a result of the crash. This type of coverage is sometimes referred to as “bodily liability” or “BI liability” coverage.
If a person files an insurance claim or lawsuit against you, then the initial money would be paid by your insurance company as part of your BI liability coverage. This coverage can be used to help pay for the injured party’s medical bills, lost wages, pain and suffering, and legal fees.
This component of auto insurance does not pay for vehicle damage or other personal property damage. However, Nevada does allow for combined single-limit (CSL) coverage. This type of insurance offers more flexibility by allowing bodily injury, personal property, and vehicular damage expenses drawn from a single pool. Keep in mind that this flexibility comes at a price, since most CSL car insurance policies cost more than those with individual limits.
Related: What Happens When a Car Accident Claim Exceeds Insurance Limits?
What Are the Bodily Liability Coverage Minimums in Las Vegas?
Nevada recently raised the bodily injury liability car insurance minimums. As of July 1, 2018, the minimum coverage is $25,000 in bodily injury per person and $50,000 in bodily injury per accident.
Let’s turn the tables and say that you’re the injured party instead of the at-fault party. If your total expenses exceed the at-fault driver’s coverage, then you have a few options to recover the total amount of money. These options include any underinsured motorist coverage or umbrella insurance policies you may have.
If you do not have these types of insurance, then you may have to file a lawsuit to recoup your injury expenses. In these situations, a Las Vegas car accident lawyer from ER Injury Attorneys can help you.
Contact a Top Las Vegas Car Accident Lawyer Today
Recovering from car crash injuries can be physically and mentally exhausting. Dealing with shifty insurance agents can add further stress that hinders your recuperation. Don’t let insurance companies trick you into accepting an initial offer that only covers a fraction of your expenses. Let ER Injury Attorneys proficiently handle your injury claim so that you can focus on your health.
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 experienced personal injury lawyers have successfully served clients 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 money that you deserve.