If you have been involved in a car accident, the next steps typically follow a straightforward procession. Both parties typically take photos and videos of the scene, one person calls a police officer, and those involved exchanges insurance information. But what if the driver who caused the accident doesn’t have insurance?
These cases are much more complex than average car accidents, which is why it’s imperative that you enlist the help of a skilled and knowledgeable lawyer on your side.
Uninsured Motorist Accidents Happen Every Day
Although being involved in an uninsured motorist accident may seem unlikely since most states require drivers to have car insurance, thousands of drivers take to the streets every day without proper insurance. If they happen to run into your car, you get roped into a complicated situation by default.
Unfortunately, this can force your insurance company to pay for all the damages, which is why it’s always helpful to have uninsured motorist coverage built into your car insurance policy. Some states require this to be bundled in, or at least offered, to clients, but Nevada law does not require that motorists have it in their plan.
Even though uninsured motorist insurance is the best way to protect yourself in these situations, some accidents can produce enough damage to where even one driver’s uninsured motorist coverage won’t be sufficient to cover the costs. This is especially true if the accident involves severe injuries and long-term hospital stays.
What if Your Insurance Policy Doesn’t Cover Everything?
In Nevada, the state minimums for coverage were increased in 2018, requiring drivers to have at least $25,000 bodily injury coverage per person, $50,000 total bodily injury per incident, and at least $20,000 for property damage per accident. If two or more people are involved in an accident that involves injuries, these coverage minimums can be used up quickly.
If your insurance doesn’t cover all the damages from the accident, you and the guilty party may be stuck paying for some damages out of pocket. This is why it’s important to review your insurance policy every once in a while to make sure that you have adequate coverage. Insurance companies should offer additional collision coverage, which can cover car repairs after an accident, but that can’t help in the case of injuries and healthcare.
An Attorney Can Negotiate with the Insurance Company on Your Behalf
Getting in touch with a car accident lawyer right away is one of the best things you can do for yourself in these situations, as they can actually negotiate with your car insurance company to lower the total costs you may incur as a result of being involved in an uninsured motorist accident. They can also provide you with sound legal advice about how to handle certain situations in order to build a strong case for you in the event that you are able to sue the at-fault party.
Some drivers without insurance may try to offer you money right away to encourage you not to press charges, but don’t accept any money even if it seems like a good deal. There is no way to know how much damage has actually occurred from the accident, and accepting money from the other person can make an already complicated situation downright messy.
The Statutes of Limitations in Nevada
Although it can be difficult to build a legal case against an uninsured driver, your lawyer may deem it a worthwhile endeavor, especially if you sustained severe injuries from the accident. In Nevada, the statute of limitations is two years from the date of the accident, so you must press charges quickly if you have a viable case on your hands.
Two years may seem like plenty of time to decide whether you want to pursue a lawsuit, but it can take a long time for paperwork to get filed properly. It’s in your best interest to take action as soon as you can.
Hiring a Knowledgeable Car Accident Attorney in Henderson
The days and weeks following an accident, especially involving those who are uninsured, can be incredibly difficult, and most people don’t know who to turn to for help. You don’t have to face all of these issues on your own when you get connected to a trustworthy and experienced lawyer, but finding a lawyer you feel comfortable with can be a challenging task. Luckily, the law team from Pacific West Injury Law has decades of combined experience and has helped hundreds of people handle a wide variety of legal challenges.
Reviewing Your Uninsured Motorist Claim
After you contact us for assistance with your claim, we will review all the details of the accident to build a solid case in your favor. It’s essential that you provide as much documentation and photo/video evidence as you can, as one missing piece could throw your case out the window. For this reason, it’s helpful to document as much as you can immediately after the accident and ensure that the police report filed for the accident is accurate and captures all the details.
Fighting for Fair Compensation on Your Behalf
Once we have gathered all the relevant evidence and constructed a comprehensive case, we will do everything we can to get you the compensation you deserve. It may be tempting for those involved in an accident to take the first settlement, or reduced damages offer, an insurance company makes, but avoid taking any action without first speaking to your lawyer.
Get in Touch with a Car Accident Lawyer Today
If you have been involved in an accident with an uninsured motorist, getting the help of a trusted lawyer can be one of the best decisions you have ever made. These cases can quickly become confusing, but a skilled attorney with extensive knowledge of state laws can make all the difference in the outcome.
We handle cases in the Las Vegas and Henderson areas. Please contact the team at Pacific West Injury Law today.