Las Vegas Uninsured / Underinsured Motorist Accident Attorneys
Injured in a Las Vegas uninsured motorist accident?
Hit by a driver with no insurance or not enough coverage?
Jack’s Got Your Back
Las Vegas Uninsured / Underinsured Motorist Accident Lawyers
Nevada has one of the highest rates of uninsured drivers in the country. Even when drivers carry insurance, many only have the minimum required coverage, often not enough to cover serious injuries.
This reality can leave you facing medical bills and lost wages with nowhere to turn, even when the accident wasn’t your fault.
Your own insurance policy may provide protection through Uninsured/Underinsured Motorist (UM/UIM) coverage, and you may carry it without realising. Except as that section and NRS 690B.035 otherwise provide, a policy insuring against motor vehicle liability may not be delivered or issued for delivery in Nevada unless uninsured vehicle coverage is provided in it or supplemental to it; no such coverage is required in a policy issued to the State or one of its political subdivisions, or where an insured named in the policy rejected it in writing on a form the insurer furnished describing the coverage being rejected (NRS 690B.020(1)). Insurers transacting motor vehicle insurance in Nevada must also offer uninsured and underinsured coverage in an amount equal to the bodily injury limits sold to the insured, though no offer is needed in connection with a general commercial liability policy, an excess or umbrella policy, or another policy that does not provide primary motor vehicle insurance (NRS 687B.145(2) and (5)). So check your declarations page before assuming there is nothing there. Insurance companies often make accessing these benefits difficult.
Don’t accept a quick settlement before understanding all your options. Jack Bernstein Injury Lawyers can help identify all possible sources of compensation, including your own policy benefits you may not realize you have.
Find out what your case is worth
Free, confidential evaluation in as little as 5 minutes. Contact us today to speak to Jack personally.
- You pay nothing until we win
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Over $500 Million in Verdicts & Settlements
Jack Bernstein stays personally involved in the cases his firm handles. We will investigate your claim and pursue any compensation that may be available under the facts and the law.
*Jack Bernstein has worked on the above cases during his career at this firm or another firm. Past results do not guarantee, warrant, or predict future cases.
See Case ResultsWhy hire Jack Bernstein Injury Lawyers?
Jack G. Bernstein, Esq. has been protecting the rights of injured victims and their families for over 40 years.
Speak to Jack about your caseJust wanna take the time to say how grateful me and my daughter are of how jack and his team handled are case. They do An amazing job and really take care of there clients. Victoria was wonderful throughout the whole process and made sure I was aware of everything that was going on during the waiting period of this whole case. Thank you guys for helping us. Keep up the great work you guys.
$500 million+ recovered
More than 40 years of verdicts and settlements for injured people and their families. Past results do not guarantee your outcome.
Jack is personally involved
You are not a case number. Jack stays involved in your case, and you will always know who is handling it.
We know how insurance companies work
Auto insurers want you to take a fast, low offer. We build every crash case as if it is going to trial.
Experts who strengthen your case
Accident reconstruction experts, doctors and investigators who show how the crash happened and what it has cost you.
No fee unless we win
No upfront cost. We advance the expenses of your case, and you pay no attorney fee unless we win.
Free consultation, day or night
Call any time, 24 hours a day. Tell us what happened and you will get an honest answer about your case.
The basics: uninsured vs. underinsured
Uninsured motorist (UM)
Underinsured motorist (UIM)
Why it’s essential to understand
Facing an accident with an uninsured or underinsured motorist in Las Vegas means you could be dealing with not only physical recovery but also financial challenges. From escalating medical bills to car repairs and other unexpected expenses, the costs can quickly add up. Knowing where you stand, what you may be able to recover, and how to seek compensation is crucial.
Perspectives addressed
The road is a shared space, and every person on it has a unique perspective. Here are a few ways to view an accident involving uninsured or underinsured motorists:
Victim’s lens
The Uninsured/Underinsured driver
Third-party perspective
Building and qualifying a case
If you find yourself in an accident with an uninsured or underinsured motorist, several questions may whirl around your head. “Do I have a case?” “What proof do I need?” Let’s address these head-on:
Gathering evidence
Your insurance’s role
Potential compensation
Understanding insurance limits
In Nevada, like many states, there’s a minimum auto insurance coverage requirement. However, these minimums may not always be sufficient to cover all the damages in a severe accident. As of our last update:
- Bodily Injury: $25,000 per person and $50,000 per accident
- Property Damage: $20,000 per accident
But what does this mean for you? If the driver at fault has the bare minimum and the damages exceed these amounts, their policy won’t cover the full extent. Coverage can also sit above that policy, so it is worth checking whether an umbrella policy covers the driver or the vehicle owner. If they’re underinsured, you might find yourself having to foot the remaining bills.
Your own policy: uninsured motorist coverage
Many people are unaware of a vital component in their own insurance policy: the Uninsured/Underinsured Motorist Coverage. This policy acts as a safety net, covering you when the other driver can’t. It’s essential to review your policy details, as the terms can vary. If you carry coverage on more than one vehicle, whether those UM/UIM limits can be stacked into one pool is part of that review. Some aspects to consider:
Coverage limit
Claiming process
Challenges in claiming against uninsured motorists
Taking action against an uninsured motorist presents its own set of challenges:
Establishing fault
Locating assets
Legal hurdles
Knowing these challenges upfront equips you with a clear roadmap of the journey ahead, so you aren’t caught off guard.
Strategies to strengthen your claim
Uninsured and underinsured motorist cases often come with their own set of nuances. Strengthening your claim becomes paramount:
Document everything
Witness statements
Stay consistent with medical treatments
Consult with an attorney early
Seeking legal counsel after an accident involving an uninsured or underinsured motorist can make a significant difference in your claim. Our law firm is committed to assisting you throughout this challenging time. Here’s how we can help:
Navigating the legal process
Pursuing fair compensation
Handling insurance companies
Focusing on recovery
Uninsured & underinsured motorist accident FAQs
Have questions about your case?
Every uninsured or underinsured motorist accident case is different. These answers cover the general rules; what applies to you depends on the facts.
Call us any time, 24 hours a day, and we will go through the specifics with you. It is free, and there is no obligation.
(702) 633-3333 Free consultation · Available 24/7 Or send us the details onlineWhat's the difference between uninsured and underinsured?
Uninsured means the driver has no insurance. Underinsured means they have insurance, but not enough to cover all the damages.
Can I sue the uninsured driver personally?
Yes, you can pursue a lawsuit against the driver’s personal assets, but it can be a complex process.
How does underinsured motorist coverage work?
If the at-fault driver’s bodily injury coverage is not enough to cover your damages, your own underinsured motorist coverage can pay the amount that exceeds that driver’s limits, up to the limits of your own coverage (NRS 687B.145). Your own limits are the ceiling, so it is worth checking how much coverage your policy carries.
What if I'm hit by an uninsured driver and don't have uninsured motorist coverage?
Check first whether that is really the position. Except as that section and NRS 690B.035 otherwise provide, no policy insuring against liability arising out of the ownership, maintenance or use of a motor vehicle may be delivered or issued for delivery in this State unless uninsured vehicle coverage is provided in it or supplemental to it, and no such coverage is required in a policy issued to the State of Nevada or one of its political subdivisions or where an insured named in the policy rejected it in writing, on a form furnished by the insurer describing the coverage being rejected (NRS 690B.020(1)), so ask your insurer for your declarations page and for any rejection form it holds. If there genuinely is no such coverage, recovery usually depends on a claim against the driver personally, which turns on what the driver actually owns, on whether any other party shares responsibility for the crash, and on any other benefits that apply, including medical-payments coverage on your own policy and your health insurance for the medical bills. Keep in mind that a health plan which pays those bills will often assert a reimbursement claim against anything you later recover, so talk to a lawyer before relying on it.
Why is it essential to document everything after the accident?
Documentation helps establish fault, severity of damages, and can bolster your claim.
Can I trust my insurance company to handle everything if hit by an uninsured driver?
While insurance companies can be of help, a lawyer can review your coverage, deal with the insurer on your behalf, and pursue any compensation that may be available under the facts and the law.
How can Jack Bernstein Injury Lawyers help in my uninsured or underinsured motorist case?
With 40 years of experience, Jack tailors his approach to your situation. We will investigate your claim and pursue any compensation that may be available under the facts and the law.
Are consultations with Jack Bernstein Injury Lawyers free?
Yes, consultations are free, allowing you to understand your options without any obligations.
Related reading
Contact us for a free consultation
If you have been injured in an accident involving someone uninsured or underinsured, contact Jack Bernstein Injury Lawyers for a free, no obligation consultation with experienced Las Vegas accident lawyers. You will gain an advocate for every stage in the claims process, and we will pursue your claim to a resolution.
Jack Bernstein Injury Lawyers is available to help you handle your accident claim in the Las Vegas metropolitan area and beyond. Jack Bernstein and his team can offer you personalized service and legal representation after an accident.
Call us at (702) 633-3333 or contact us today for a free consultation to discuss your case.
Find out what your case is worth
Free, confidential evaluation in as little as 5 minutes. Contact us today to speak to Jack personally.