You have just been in an auto accident. Your car is damaged and you are injured. Who is going to pay for your damages? What kind of auto insurance do you have? Do you know? It is very helpful to us, as lawyers, to be able to review your auto insurance policy during the initial free consultation after an accident. I ask my clients, “Have you reviewed your auto insurance policy? Do you know what type of coverage you have? Do you know what your coverage means?” More often than not my client responds that he or she really does not know the answers to these questions and asks for advice.
Understanding car insurance is important. The best way to make sure you are getting the right amount of coverage (and not overpaying for it) is to have a thorough understanding of the various types of coverage that are available. It is important to remember that, if you or someone you know was injured in a car accident, it is imperative that you call the best car accident attorney Las Vegas has to offer.
In this article, we will discuss the ins and outs of Nevada Car Insurance. There are two types of coverage available to motorists:
Liability Insurance Coverage is coverage for damages you (or in some cases your vehicle while being operated by others) cause to others (and the property of others). This is the one type of auto insurance that you are generally required by law to purchase. Under NRS 485.185, the State of Nevada requires every owner of a motor vehicle which is registered in the State to provide insurance:
1. In the amount of $25,000 for bodily injury to or death of one person in any one accident;
2. Subject to the limit for one person, in the amount of $50,000 for bodily injury to or death of two or more persons in any one accident; and
3. In the amount of $20,000 for injury to or destruction of property of others in any one accident, for the payment of tort liabilities arising from the maintenance or use of the motor vehicle.
However, we recommend that you have what is known as Full Coverage. This means that your policy will also have Uninsured and Under-Insured Motorist coverage. If your vehicle is struck by a driver with no insurance, this coverage pays for damages to your person or the other people in your vehicle. If the driver who struck your car has insurance, but it isn’t sufficient to pay for all the damages, this insurance will also take over and pay the remainder.
We strongly recommend you add Medical Payments Coverage to your current auto insurance policy if you do not already have it. Medical Payments Coverage can help cover the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault. In Nevada, it’s an optional addition to your car insurance policy. If you don’t have a health plan, your plan won’t cover car accidents, or if your plan has low limits, you may want to add medical payments coverage. In some cases, this car insurance coverage can actually help cover your health plan’s deductible. There is no right of subrogation as there is with most health insurance plans, which means Medical Payments Coverage pays for your accident related medical bills and you don’t have to pay the plan back at all. Most health insurance plans require you to pay them back out of any settlement you get from the at-fault driver’s insurance.
There are many other types of coverage that may be beneficial to you such a Comprehensive, Collision, Rental Car, Towing and Emergency Roadside Service. Please contact our office and ask to speak to one of our attorneys if you want a free review of your auto insurance policies to determine if your coverage is adequate. We hope that you never get into an accident, but if you or someone you know does become injured in a car accident, please call Craig P. Kenny & Associates today for a completely free case review!