Nevada has one of the highest rates of uninsured drivers in the country. Getting hit by one doesn’t mean you’re out of options — it means the path to recovery runs through a different door. Our Las Vegas car accident lawyers handle uninsured and underinsured motorist claims every day and know exactly how to navigate the conflict of interest built into every UM/UIM case.
If you’ve been injured in a Las Vegas car accident caused by an uninsured or underinsured driver, you might be wondering: can you still make a personal injury claim? The answer is YES—and that’s where a skilled Las Vegas car accident attorney for uninsured motorist claims can make all the difference. Contact us at Howard Injury Law at (702) 331-5722.
Nevada’s Uninsured Driver Problem — By the Numbers
Nevada consistently ranks among the top ten states for uninsured drivers nationally. In Clark County, where Las Vegas sits, and its streets are busier than ever, the combination of transient population, tourist traffic, and economic pressure means a significant percentage of drivers on the road — approximately 20% at any given moment are either completely uninsured or carrying the minimum required coverage of $25,000 per person — which barely covers a single ER visit for a serious injury. This situation is tough for car accident victims who suffer injuries or losses through no fault of their own.
If you were seriously injured by one of these drivers, the at-fault driver’s policy — if they have one — may not come close to covering your losses. That’s where your own coverage becomes the primary battleground.
When car accident with no insurance or underinsured driver causes an accident, recovering damages can feel impossible. Typically, you would file a claim against the at-fault driver’s insurance. But if that insurance doesn’t exist or falls short, financial burdens often shift to the victim. That’s why uninsured motorist coverage exists—to protect you.
Nevada UM/UIM Coverage — What It Is and Exactly When It Applies
Uninsured Motorist (UM) coverage activates when the at-fault driver has no insurance at all. Underinsured Motorist (UIM) coverage activates when the at-fault driver has insurance, but their policy limits are too low to cover your damages.
Nevada law requires every auto insurer to offer UM/UIM coverage to policyholders. Drivers can waive it — but only in writing. If you didn’t sign a written waiver, your policy likely includes it. Many Nevada drivers don’t realize they have UM/UIM coverage because they never needed it before. Check your declarations page or call your insurer to confirm your limits.
Both types of coverage require you to file a claim against your own insurance company — which creates an immediate conflict of interest. Your insurer has a contractual obligation to cover you, but a financial incentive to minimize your payout. They will use the same tactics against you that any other insurer would.
Why Your Own Insurer Will Fight Your UM/UIM Claim
This is the part most people don’t see coming. You’ve been a loyal policyholder. You pay your premiums. You were hit by someone who had no business being on the road without insurance. And now your own insurance company is disputing the value of your injuries.
It happens constantly. Insurers handling UM/UIM claims conduct independent medical examinations with doctors they hire — doctors who have a financial relationship with the insurer and a documented history of minimizing injury severity. They argue your injuries were pre-existing. They dispute your treatment plan. They offer settlements that don’t reflect the true cost of your recovery.
In Nevada, this behavior can constitute bad faith insurance practices under NRS 686A.310. An insurer that unreasonably delays, denies, or undervalues a valid UM/UIM claim can be held liable for damages beyond the policy limits. Having an attorney who understands both the personal injury side and the bad faith side of these claims changes the leverage dynamic completely.
Your Own Insurer Is Not on Your Side — We Are
Talk to a Las Vegas car accident lawyer at Howard Injury Law about your UM/UIM claim — free consultation, 24/7, no fees unless we win.
What Is Uninsured Motorist Coverage in Nevada?
In Nevada, every car insurance policy is required by law to include uninsured motorist coverage, unless the policyholder specifically declines it through a signed waiver. This type of coverage protects you when you’re hurt by:
- A driver with no insurance
- A driver with insurance but not enough to fully cover your injuries and losses
- A hit-and-run driver who cannot be identified
Uninsured motorist (UM) and underinsured motorist (UIM) coverage pays for your medical bills, lost wages, vehicle repairs, and even pain and suffering when the responsible party’s insurance can’t.
Can You Make a Claim if You Were Hit by an Uninsured or Underinsured Driver?
Yes! If you’ve been injured, your own uninsured motorist coverage can step in to cover damages. Even if you were driving a motorcycle or riding in a vehicle without this coverage, you might still make a claim on a family member’s or household vehicle policy that does include it.
Many people don’t realize that uninsured motorist protection is often part of their car insurance policy—even if they haven’t specifically reviewed it in detail.
Why You Need a Las Vegas Car Accident Attorney for Uninsured Motorist Claims
Navigating insurance policies and legal jargon after a car accident can be overwhelming. Insurance companies aren’t always on your side—they may try to minimize payouts or deny claims, especially when dealing with uninsured or hit-and-run situations.
A knowledgeable Las Vegas car accident attorney for uninsured motorist claims can:
- Explain your insurance rights and options clearly
- Help you determine whether you have a valid claim
- Gather evidence, including medical records and accident reports
- Handle correspondence and negotiations with insurance companies
- Fight to maximize your compensation for medical bills, lost income, and pain and suffering
- Represent you in court if necessary
Having an experienced attorney by your side can relieve stress and make the entire claims process smoother and more effective.
What Kind of Compensation Can You Expect From an Uninsured Motorist Claim?
If you file a successful uninsured motorist claim, you may recover:
- Medical expenses: Past, present, and future bills for hospital stays, surgeries, therapy, medications, and more
- Lost wages: Compensation for time off work and reduced earning capacity
- Property damage: Repairs or replacement for your vehicle and other damaged property
- Pain and suffering: Financial recognition for physical pain, emotional distress, and diminished quality of life
- Loss of enjoyment: If your injuries affect your ability to enjoy hobbies, activities, or life itself
How to File an Uninsured Motorist Claim in Las Vegas
Filing a claim involves several important steps:
- Report the accident: Call the police to document the crash officially.
- Seek medical attention: Visit a healthcare professional even if you feel okay—some injuries appear later.
- Notify your insurance company: Let them know you intend to file an uninsured motorist claim.
- Gather evidence: Collect police reports, medical documents, photos, and witness information.
- Work with a lawyer: Your attorney will file the claim, handle all paperwork, and negotiate with insurers.
- Negotiate or litigate: Lawyers will fight for fair settlements or take cases to court when necessary.
How Long Do You Have to File a Claim?
In Nevada, you generally have two years from the date of the accident to file an uninsured motorist claim. Missing this deadline can mean losing your right to compensation, so it’s important to act quickly and consult an attorney as soon as possible.
What Makes Howard Injury Law Different?
At Howard Injury Law, we understand the frustration and uncertainty that come with accidents involving uninsured or underinsured drivers. Our dedicated legal team has more than 20 years of combined experience helping Las Vegas residents secure their rights.
We offer personalized attention, exploring every possible avenue for compensation, and standing firm against insurance companies to advocate for clients’ best interests.
Contact a Car Accident Attorney for Uninsured Motorist Claims
If you were injured in a car accident caused by an uninsured or underinsured driver, you don’t have to bear the financial burdens alone. Your insurance policies likely provide protections designed for this tough situation—but accessing those benefits can be complex.
Connecting with a trusted Las Vegas car accident attorney for uninsured motorist claims—can turn uncertainty into action. We’ll review your case, explain your rights, and fight to get the maximum compensation you deserve. At Howard Injury Law, we expertly guide you through the legal process as your dedicated personal injury lawyer in Las Vegas. From the initial FREE consultation to the resolution of your case, our experienced car accident attorneys or personal injury lawyers serve Nevada, California, Colorado, and Arizona, and are committed to providing comprehensive support and representation. We understand the complexities and challenges that come with personal injury claims, and we’re here to ensure that your rights are protected every step of the way. Call or fill out our free online form!
Free Consultation with Howard Injury Law:
📲 (702) 331-5722
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