If
you have been involved in a car accident, the last thing you should have to
worry about is whether or not there is enough insurance available to cover your
injuries. Unfortunately, this is a concern for many Las Vegas and Nevada
residents. As the saying goes, “you don’t need insurance until something bad
happens.”
In
Nevada, all motor vehicles are required to have insurance to cover accidents,
crashes, bodily injury damages, and death as follows:
$15,000 for one person in an
accident
$30,000 for two or more people in an
accident
$10,00 for injury or destruction of
property in any one accident
NRS 485.185. This minimum coverage is
often referred to as 15/30/10 coverage. Nevada law defines a motor vehicle as “every
self-propelled vehicle which is designed for use upon a highway.” NRS 485.050. So you need insurance
coverage on your car, truck, motorcycle, moped, and even trailers, farm
tractors, and tractor cranes! If you drive a car without insurance in Nevada,
your driver’s license and vehicle registration can be suspended.
When
you are involved in an accident, the person who is at fault for the accident
typically has to pay for your damages. The payments first come from the
insurance policy attached to the vehicle. Usually, insurance companies will
fight both liability (who is at fault for the accident) and the amount of
damages that the hurt person should get. Alessi Law can help you navigate these
fights and disputes with the insurance companies.
You
can also have your own insurance coverage in case the person who has hurt you
does not have enough insurance to cover all of your damages. A few examples of
ways to have your own insurance cover you include underinsured motorist
coverage and uninsured motorist coverage; often abbreviated UIM and UM
coverage. There is also medical payments coverage, also known as MedPay
coverage, that you can use to cover damages if you have been in a car accident.
Make
sure you are protecting yourself and others by being properly insured. Before
you get in an accident, feel free to contact us and we can explain how
insurance affects you when you have been in a car accident and we can put you
in contact with the right person to get you the insurance coverage that is best
for you.
Accidents happen everyday and you do not know when it will
happen. Melissa Alessi will work with the insurance companies so that you can
focus on getting healthy. Alessi Law is here to help you if you have been in a
car accident to make sure that you are getting the most insurance coverage
available to you.