Uninsured Motorist Accident Lawyer in Las Vegas, NV

Close-up of an insurance policy document clipped to a board, with a pen and glasses in the background
Close-up of an insurance policy document clipped to a board, with a pen and glasses in the background

A car accident can dramatically affect many areas of your life. You may be forced to deal with painful injuries and costly medical treatment. You might find yourself unable to work and support yourself financially. You may also find it difficult to repair or replace the vehicle you depend on for everyday life.

In Nevada, irresponsible drivers can be held liable for the injuries they cause through a personal injury claim. But if the at-fault driver doesn’t have insurance or has insufficient coverage, getting properly compensated can be difficult. The other driver’s insurance company is usually the one who pays for your injuries and medical bills after an accident, so a lack of insurance could certainly limit your ability to secure the money you’re owed.

Were you hit by an uninsured or underinsured driver in Las Vegas? The uninsured motorist lawyers at THE702FIRM Injury Attorneys are here to help. We will walk you through your legal options and work skillfully to get you the money you need to cover your injuries and related losses.

We’re proud to provide personalized, one-on-one service to injured Nevadans, and you can count on us to return all emails and calls within 24 hours.

Don’t wait to get legal help after a car accident. Visit our contact page or call our office today for a free case review with no obligation. 

How The702firm Injury Attorneys Assist You if the Other Driver Doesn’t Have Car Insurance

At THE702FIRM Injury Attorneys, we guide accident victims through recovery compensation, even when dealing with uninsured or underinsured drivers. Here’s how we help:

Understanding Your Insurance Coverage Options

When the at-fault driver lacks liability insurance, your auto insurance policy often becomes the primary source of compensation. Many policies include uninsured motorist (UM) coverage or underinsured motorist (UIM) coverage, which protects in these situations. If you have this coverage, we’ll help you file a claim with your insurer to recover compensation for medical bills, lost wages, and other damages.

If you’re unsure about your coverage, we’ll review your insurance policy and explain your options clearly. Our goal is to ensure you receive the maximum compensation available under your policy.

Investigating the Accident

To build a strong claim, we thoroughly investigate the accident. This includes:

  • Collecting the police report for details on the at-fault driver’s actions.
  • Gathering evidence from the accident scene, such as photos of the vehicles involved and property damage.
  • Obtaining witness statements to confirm the other driver’s fault.
  • Verifying the at-fault driver’s insurance information or lack thereof.

Our team handles these steps so you can focus on your recovery.

Filing a Claim Against Your Insurer

Filing a claim with your insurance company can be challenging, even with UM or UIM coverage. Insurers often try to minimize payouts, so having an experienced attorney matters. We negotiate with your insurer to ensure they honor your policy and cover damages like:

  • Medical expenses
  • Lost wages
  • Cost to get your car fixed

If your insurance company delays or denies a fair settlement, we will escalate the matter.

Exploring Additional Legal Options

If the at-fault driver doesn’t have sufficient coverage but possesses personal assets, filing a personal injury lawsuit may be an option. We analyze the at-fault party’s financial situation to determine if pursuing a lawsuit is worthwhile. In hit-and-run accidents or cases involving uninsured drivers, we explore every avenue to recover full and fair compensation for your injuries.

Helping You Access Medical Treatment

Accident victims often face steep medical bills, especially if injuries like traumatic brain injuries or spinal cord injuries are involved. We work with healthcare providers to ensure you receive the treatment you need, even if you can’t pay upfront. Our team coordinates with your health insurance or explores other solutions while your case is resolved.

What to Do After an Accident With an Uninsured Driver

Smartphone screen showing an incoming call from Police with options to answer or decline

Getting into an accident with an uninsured driver can be stressful, but knowing what steps to take can protect your rights and strengthen your case. Follow these steps to handle the situation effectively.

  • Call the Police: Always call the police after a car accident, especially if the other driver is uninsured. A police report is important for documenting the details of the crash. It is official evidence when filing a claim with your insurance company or pursuing a personal injury lawsuit. Make sure to provide the officers with accurate information about the incident.
  • Gather Evidence at the Scene: Document the accident scene thoroughly. Take photos of vehicle damage, the surrounding area, and visible injuries. Exchange information with the other driver, even if they lack liability insurance. Record their name, contact information, and license plate number. If there are witnesses, get their names and contact details as well. This evidence can be critical when filing a car accident claim.
  • Notify Your Insurance Company: Report the accident to your insurance company immediately. Let them know the other driver is uninsured. If you have underinsured motorist coverage, it may help cover damages like medical bills or vehicle repairs. Underinsured motorist claims often come with specific deadlines, so don’t delay.
  • Seek Medical Attention: Even if your injuries seem minor, see a doctor immediately. Conditions like whiplash or a traumatic brain injury may not show symptoms right away. Prompt medical care also creates a record that supports your claim. If you have health insurance, use it to cover initial treatment costs. Keep all medical records and receipts as proof of your expenses.

Auto Insurance Requirements in Las Vegas

Nevada law requires drivers to carry certain amounts of minimum car accident coverage. Those minimums include:

  • $20,000 in property damage coverage per accident
  • $25,000 per person or $50,000 per accident in injury or wrongful death coverage
  • $25,000 per person or $50,000 per accident in uninsured/underinsured motorist coverage

Note that these are the minimum requirements for all drivers. Drivers can buy additional coverage if they wish. Purchasing more insurance may cost more upfront. Still, drivers who have more coverage will have an easier time collecting full compensation if they’re involved in an accident in which someone is severely injured.

Insurance Coverage for Underinsured and Uninsured Motorists

Nevada law currently does not require drivers to purchase uninsured motorist coverage or underinsured motorist (UM/UIM) coverage. However, state law requires all auto insurers to offer uninsured and underinsured motorist coverage to all drivers.

While UM and UIM coverage is optional in Nevada, THE702FIRM Injury Lawyers strongly advise you to purchase it. If you don’t have the right coverage and you’re hit by a driver who’s uninsured or underinsured, you have no way to recover any compensation for your losses.

One other option that can keep you prepared for an accident with an uninsured or underinsured motorist is medical payments (Medpay) coverage. Like underinsured and uninsured motorist coverage, medpay coverage is an optional benefit you can add to your existing auto insurance policy.

Medpay is a no-fault benefit that covers costs such as your medical bills after an accident. Another advantage of Medpay coverage is that you can claim benefits after an accident, even if you were somewhat responsible for causing the crash.

What Does Uninsured Motorist (UM) Coverage Cover?

There are two elements to most uninsured motorist plans in Nevada. They are:

  • Bodily injury coverage covers injuries to the driver and any vehicle passenger. This includes medical expenses, lost wages, and physical pain and suffering sustained by anyone in the car who was injured.
  • Property damage coverage covers any damage to the vehicle in the event of an accident.
  • What Does Underinsured Motorist (UIM) Coverage Cover?
  • Underinsured motorist coverage in Nevada works similarly to uninsured motorist coverage. Like uninsured motorist coverage, a UIM policy covers bodily injuries after an accident.
  • A UIM add-on to your auto policy protects you if the other driver’s insurance coverage doesn’t meet state minimums or isn’t enough to cover your losses after an accident.

For example, if the driver who hit you only has $25,000 in bodily injury coverage and you have $30,000 in medical expenses and lost wages, you may have some difficulty recovering the full value of your case without underinsured motorist coverage. You can file a lawsuit against the other driver, but that’s a risk, and they may not have sufficient assets to cover your remaining losses. On the other hand, UIM, in your policy, could apply and further compensate you for the full extent of your injuries.

Common Challenges in UM/UIM Claims

The words Insured and Uninsured, with Uninsured circled in red pencil on a beige background

Without legal guidance, you may face these common hurdles:

  • Proving Fault: Establishing the other driver’s fault is essential but can be contested, especially in hit-and-run cases or when liability is unclear.
  • Disputes Over Damages: Insurance companies often minimize injuries sustained or undervalue property damage to reduce payouts.
  • Delays and Denials: Claims can drag on for weeks or months, with insurers finding reasons to deny your claim or delay payments.

An uninsured motorist attorney knows how to overcome these challenges to help you recover compensation for medical treatment, property damage, and other costs.

Contact a Las Vegas Car Accident Lawyer for Uninsured or Underinsured Motorist

If you’ve been involved in a car crash with an uninsured driver or a hit-and-run driver in Las Vegas, it’s important to take immediate action. Filing an accident report and understanding your options under your insurance company’s policies can make a big difference. Drivers’ coverage for uninsured and underinsured motorists can help cover expenses when the at-fault driver doesn’t have adequate insurance.

At THE702FIRM Injury Attorneys, we understand your challenges after a car accident. Our experienced lawyers can guide you through dealing with your insurance company, reviewing your driver’s coverage, and ensuring you get the compensation you deserve.

Don’t let an uninsured or underinsured motorist leave you with the burden—schedule a consultation today to protect your rights and secure the help you need.