Most drivers assume their auto insurance will take care of them after an accident. Many find out the hard way that assumption isn’t always correct. Understanding what your policy actually covers (before an accident happens) could be one of the most important things you do this year.
Minimum Coverage Requirements in Nevada and California
Nevada law requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. California requires similar minimums ($30,000/$60,000). These numbers sound adequate until you’re in a serious accident. Medical bills and vehicle repairs can far exceed these limits, leaving you personally responsible for the difference.
Uninsured/Underinsured Motorist Coverage
One of the most overlooked and most important coverages available. If you’re hit by a driver with no insurance or insufficient coverage, UM/UIM steps in to cover your injuries and losses. Nevada has a significant number of uninsured drivers on the road — this coverage can be the difference between full compensation and nothing.
What to Do After an Accident
Seek medical attention immediately, even if you feel fine. Document everything — photos of vehicles, injuries, the other driver’s insurance information, and witness contacts. Be cautious about giving a recorded statement to any insurance company before speaking with an attorney. Adjusters are trained to ask questions in ways that can reduce the value of your claim.
This article is for informational purposes only and does not constitute legal advice. If you have been injured in a car accident in Nevada or California, contact Lawyers With Attitude at (702) 881-2212 for a free case evaluation.