How much car insurance is required in Nevada?
In Las Vegas, in order to be legally eligible to operate a vehicle you must have what’s called the ‘mandatory minimum automobile liability insurance requirement’ fulfilled. Basically, it’s the bare bones car insurance package you have to buy in order to not be breaking the law.
What does that cover?
In Nevada, the mandatory minimum insurance all drivers must legally purchase covers them for any damage/injury that they cause to other drivers.
Why would I need more insurance?
If you get into a car crash, such as being rear-ended while stopped at a red light, and the other driver does not have insurance, you will not be covered for any injury you sustain caused by that crash. If the other driver is uninsured, you won’t be covered. This is because the mandatory minimum insurance does not cover you for any injury caused to you by another person. The mandatory minimum kicks in when you’re at fault, but if it’s the other driver’s fault, you better hope that they have insurance or that you’re about to win a lotto jackpot.
Okay, how much more insurance do I need?
First off, it can not be overstated enough that you can never truly have enough insurance. Simply put, the more, the better. Typically, a good attorney will recommend that you have a minimum coverage plan starting at the 100/300/100 range & going up from there. If a car crash is not your fault, there are two possible avenues you can go down to avoid paying for everything out of pocket. If you’re lucky and the other driver has insurance, you can possibly rely on the other driver’s insurance to pay for your injury costs, but that comes with its own set of risks. In order to protect yourself, you should have uninsured/underinsured motorist coverage (UI/UIM coverage) in your plan. The benefits of UI/UIM coverage are many, not the least of which include the insurance applying no matter whose vehicle you are in. If you are a passenger in another vehicle and are injured by an at-fault driver, you’re covered as the terms in your policy define. The policy will also provide coverage to any children or relatives you live with no matter what vehicle they’re in even if they are not named on the policy. Make sure that you choose an insurance plan that covers you as thoroughly as possible within your financial means. Remember, the better the policy, the more you’re covered on!
What if I get into a car crash, or have an injury, and need to talk to someone about this in more detail?
Handling insurance claims and dealing with the aftermath of an car crash can be overwhelming. If you need a competent personal injury attorney in Las Vegas to help guide you through this tough time, call a Rescue Lawyer today at (702) 888-1800.