Uninsured Or Underinsured Motorist
It is estimated that over 12% of Nevada motorists drive without insurance
coverage, and this number is only going up as people continue to struggle
with a slow economy and policy price hikes. The larger the percentage
of uninsured and underinsured, the greater possibility that you will be
put in a difficult position if you are ever in a major accident. According
to the numbers, there is a 1 in 7 chance that you will be dealing with
an uninsured motorist if you get in an accident in Nevada.
Without insurance, the offending party will likely be unable to pay for
the damages they caused. Considering it is the policy itself that you
are expecting to cover the costs, if that policy does not exist, you could
be left with huge bills and no options. Because of this, it is vital that
you protect your financial interests by working with a qualified Nevada
auto accident attorney.
Las Vegas Uninsured Driver Auto Accident Attorney
Our attorneys at Oronoz, Ericsson & Gaffney LLC understand that in
any major car crash, working with an insurance provider, both yours and
the other drivers, can be a very difficult experience. As businesses,
insurance companies would much rather collect premiums than pay claims.
Even so, they should uphold their obligations and help those that pay
them. We are here to hold the offending party and the insurance companies
accountable so that you can receive the compensation you deserve.
We aggressively pursue the facts of the case so you can get paid and on
with your life as soon as possible. Our attorneys handle every element
of the claims and legal process, and are ready and willing to go to court
to protect your interests. Working on a contingency basis, we will only
collect lawyer fees if you win your case.
As a Las Vegas based legal practice, Oronoz, Ericsson & Gaffney LLC
proudly represents individuals and families throughout Clark County, including
the cities of Henderson, Paradise, Spring Valley, Sunrise Manor, Enterprise
and Winchester, among many others.
Oronoz, Ericsson & Gaffney LLC knows that this is a time-sensitive
issue and we will begin your case as soon as possible. In order to get
the process started, we offer free initial consultations to go over the
details of your uninsured motorist claim with a qualified attorney. To
schedule a time to meet with us, please call (702) 904-8858 or send an
online message today.
Uninsured Motorist Coverage in Nevada
Coverage for uninsured motorists will insulate you from the costs related
to an accident with an uninsured driver. Although it usually does not
provide for property damage (this is not always the case, with some companies
including this option), uninsured driver coverage does provide for injury.
The coverage commonly allows for reimbursement for all reasonable and
necessary medical expenses, along with general damages and lost wages
that resulted from an uninsured driver accident.
More specifically, uninsured motorist coverage will be represented by two
numbers on your automobile insurance policy. These numbers will likely
be the same as what you see on your bodily injury liability coverage.
The Coverage parameters are generally as follows: 15/30; 25/50; 50/100;
100/300; and, $300,000.00 single limits. The first number is the “per
person” limit, and the second number represents the “per accident”
limit. These coverage's are often classified as UM coverage (uninsured
motorists coverage) and UIM coverage (underinsurance coverage).
By Statute in Nevada, if you have uninsured motorist coverage, you will
also be carrying underinsurance coverage. Underinsurance coverage means
that, if your damages exceed the at-fault driver’s bodily injury
liability limits, your underinsurance coverage will come into effect where
the offending driver’s liability coverage limits are reached.
Statute of Limitations for Uninsured Motorist Claims
You do have to keep in mind that there is a deadline for filing a lawsuit
in Nevada, which is referred to as the statute of limitations. In Nevada,
the statutes of limitation are found in Chapter 11 of the Nevada Revised
Statutes. Since insurance policies are contracts, the right to bring an
action for breach of a policy is generally limited to six years.
NV LIVE Verification Program
Nevada has introduced laws that require motorists to provide valid proof
of insurance at the time of auto registration. The reason for this plan
is to keep uninsured drivers off state roads. Under the terms of the NV
LIVE, otherwise known as the Nevada Liability Insurance Verification Electronically
program, motorists in the state will also be required to show proof of
car insurance when renewing registration, reinstating registration privileges
following a suspension, and when you change your license plate.
The NV LIVE program also enables the Nevada DMV to gather this insurance
information at the time of registration so they have immediate access
to it later. Nevada has developed a computer database so that registration
and insurance records can be compared at any time.
To keep lack of insurance from becoming an issue for you or a loved one,
here are a few simple tips from the Nevada Department of Motor Vehicles:
- There is no need to visit a DMV office for most insurance issues. Use the
Internet, telephone or mail.
- Update your policy information with the DMV any time you change coverage
- Your insurance must be written for Nevada and at least one of the insured
names must appear on the vehicle registration. Minimum coverage is 15/30/10.
- If you forgo the liability insurance on any vehicle for any reason, you
must cancel the registration and surrender the license plates. Vehicles
must be continually insured to be driven on public streets.
- If you are new to Nevada, you must notify your insurance company that you
have moved to the state. Your policy must be rewritten for the state of
Nevada. Out-of-state insurance will not be accepted.
Injuries and Damages in an Uninsured Auto Accident
There are many differing types of injuries that can occur due to a motor
vehicle accident. Some of the most common include:
Brain and Head Injuries – Ranging from concussions and blunt force trauma to brain damage,
injuries to the head can vary widely and also be hard to detect or diagnose.
Back Injuries – Motor vehicle accidents have a tendency to torque your body in
an abrupt and jolting manner, which is commonly what causes back injuries.
Neck Injuries – Whiplash is the most common neck injury, but others have suffered
catastrophic injuries such as paralysis or quadriplegia because of neck trauma.
Face Injuries –There are many different areas of your car that can cause face
injuries, such as the steering wheel, airbag, dashboard, windshield and
window. Many have to deal with lacerations and broken bones, along with
the possibility of Temporomandibular disorders (jaw injuries)
Psychological Injuries – This are much harder to prove, but sometimes just as serious.
Just like a soldier coming back from active duty, the sights and sounds
of what happened can cause a strange mix of emotions, including anxiety
and traumatic stress.
Some of the damages that can result from these injuries include pain and
suffering, medical bills, rehab costs, loss of consortium, loss of enjoyment
of life, disfigurement, permanent disability, loss of wages, loss of work,
reduced earning capacity and mental anguish.
Oronoz, Ericsson & Gaffney LLC | Clark County Lawyer for Underinsured
An injury stemming from an automobile accident can be devastating. Not
having any money to pay for the resulting injuries can make the situation
much worse. Uninsured motorists present a major risk issue for the residents
and visitors of Nevada and the victims will be unable to identify this
lack of coverage before it is too late.
Following an injury, it is important that you work with an experienced,
aggressive and professional Las Vegas auto accident lawyer during the
litigation process. Our legal team at Oronoz, Ericsson & Gaffney LLC
has spent the past decade working with individual and families in similar
situations and we can be counted on to provide efficient and productive
personal injury representation.
Oronoz, Ericsson & Gaffney LLC proudly represents individuals and families
throughout Clark County, including Las Vegas, Boulder City, Pahrump, Overton,
Logandale, Laughlin, Searchlight and Mesquite, among others. To schedule
a free and confidential initial consultation, so you can discuss your
claim and explore you legal options with an attorney, please call (702)
904-8858 or send an online message today.