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Despite it being against the law, hundreds of drivers in the State of Nevada drive while uninsured and underinsured. Underinsured drivers can make it difficult for crash victims to recover full compensation for their losses through a lack of benefits available. If you were in a collision with an underinsured driver, contact the Las Vegas underinsured driver accident attorneys at Claggett & Sykes Law Firm for a free consultation about your options. You may need a lawyer’s assistance in obtaining fair financial recovery. Call us at (702) 333-7777 for a free case evaluation.
Nevada adheres to a traditional fault-based car accident liability system. With this insurance system, the driver that caused the car accident has to pay for victims’ damages, including medical bills and vehicle repairs. Injured parties will seek financial compensation from the insurance company of the at-fault driver.
The fault-based insurance system will only work, however, if every driver in Nevada obeys the law and purchases at least the mandatory amounts of insurance coverage: $25,000 in bodily injury liability insurance per person, $50,000 per accident and $20,000 in property damage liability. If a driver unlawfully operates a motor vehicle while uninsured or underinsured, that driver is putting others at risk.
An underinsured driver may not have enough money to pay for your losses out of pocket once his or her insurance coverage runs out. This could leave you with limited options for financial recovery. As the victim of a collision with an underinsured driver in Las Vegas, one of these options could be an underinsured motorist claim with your own insurance provider.
An underinsured or uninsured motorist claim will only be an option if you purchased this special type of car insurance ahead of time. This insurance is optional in Nevada. If you did purchase this coverage to better protect yourself, your own insurance provider should chip in to help you pay for crash-related damages. If you do not have underinsured motorist insurance, you may need to file a personal injury lawsuit against the at-fault driver instead.
A personal injury lawsuit could work if the driver has enough money to pay for your damages out of pocket. Otherwise, your lawyer may need to identify a third party with the funds to pay for your losses. This could include the at-fault driver’s employer or the manufacturer of a defective car part. Working with an attorney from Claggett & Sykes Law Firm could help you list all potential defendants for a personal injury lawsuit in Las Vegas.
Navigating a car accident case that involves a negligent and underinsured driver often requires assistance from a personal injury attorney. Hiring a lawyer could enable you to fully understand your rights and options after a crash. For example, your lawyer can investigate whether the driver has enough money or assets to pay for your bills out of pocket or through wage garnishment. If not, your lawyer could help you with other options, such as bringing a cause of action against a third party. With a lawyer in your corner, you can rest assured you will seek compensation from every possible source.
Do not wait to speak to an attorney after a crash with an uninsured or underinsured driver. The Las Vegas insurance bad faith lawyers at Claggett & Sykes Law Firm offer free and confidential initial consultations. We can discuss your recent car accident and potential options for recovery with you in more detail at no financial risk. Call (702) 213-2566 for your free case review today. We also respond quickly to online contact requests.
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