Do I Need Uninsured Motorist Coverage?

It’s estimated that 1 in 5 Nevada drivers are uninsured, and a huge percentage carry insufficient coverage. If you are hit by an uninsured or underinsured motorist, you may not be able to count on their insurance company to pick up the hospital bill. A car accident may not only damage your vehicle, but it can also leave you with hefty medical expenses and lost wages. Whether or not you’re responsible for the accident, those financial burdens may fall on you. Uninsured motorist provides you with a way to recover after a car accident without the worry of financial hardship.

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Medical Payments, also called “med pay” is different than Uninsured Motorist. Med pay covers medical expenses caused by auto accidents in your vehicle, or pedestrians you may hurt, or if you are a passenger in someone else’s car.

Adding Uninsured Motorist To Your Auto Insurance

What Is Covered by Personal Injury Protection?  This is not a required coverage option offered in Nevada

Uninsured Motorist in Nevada, however, covers bodily injuries that you or your passengers may incur as the result of a car accident. This coverage pays out benefits if the “at fault” driver that hit you leaves you unable to go back to work – you have lost wages, and/or experience pain and suffering, and have medical bills that the “at fault” driver’s liability coverage on their policy is short in covering. If you are hit by an uninsured or underinsured motorist, it can help take care of any medical expenses that may arise up to your policy limits.

When adding uninsured motorist, it’s important to consider how much coverage you will need. Carefully consider your expenses, your income and any other factors that may be affected if you were injured in an accident.

I Have Health Insurance; Do I Need uninsured motorist?

If you have health insurance, you may wonder if there is any benefit to adding uninsured motorist to your auto insurance policy. However, there are a few things to consider. For example, most health insurance policies do not cover lost wages, whereas uninsured motorist does. Unlike health insurance, uninsured motorist has no deductible that must be met; it pays out until your policy limit is reached. Finally, while you may have health insurance coverage, your passengers may not. Uninsured motorist would cover their medical expenses and other expenses discussed above if they were injured at the time of the accident.

Making a Claim: Will My Rates Go Up?

Even policy holders that have uninsured motorist may hesitate to file a claim out of fear that doing so could cause their rates to go up. Fortunately, Nevada’s insurance laws prevent insurance companies from cancelling or refusing to renew your policy or raising your rate, unless you were responsible for the accident.

Do I Have Uninsured Motorist Coverage?

All car insurance policies are different, and the only way to know whether you have uninsured motorist protection is to check your own policy coverages and levels. If you need help wading through the legal jargon, your auto insurance agent can review your policy with you and make you aware of any gaps in your coverage.

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To understand the benefit of having uninsured motorist protection on your auto policy, please call our office and speak to one of our licensed auto insurance agents. We are here to provide you with the expertise and advice on what coverages to get to ensure you are adequately covered.

Related Articles:

The Ins and Outs of Bodily Injury Liability Insurance

Automobile Liability Insurance 101: What Does It Cover?

Uninsured / Underinsured Auto Insurance: Avoiding Disaster

Filing an Auto Insurance Claim in Las Vegas: The Pros and Cons


Read More: Health Insurance in Las Vegas, Nevada


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