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auto accident attorney

Uninsured/Underinsured Driver Cases

Being in a road traffic accident is bad enough, but what if you’re injured in a crash, then find out that the party responsible for the accident isn’t insured, or doesn’t have adequate insurance to meet your claim?

The short answer here is that you need an expert road accident attorney fast, and here’s why.

In 2015, the Insurance Research Council released stats that revealed 10.6 percent of drivers in Nevada were uninsured. That’s hundreds of thousands of uninsured vehicles, statewide. At-fault underinsured drivers also cause problems, with young people more likely to both carry the minimum insurance coverage and cause accidents, because they have less road experience.

Both of these scenarios is why the majority of drivers in Nevada have Uninsured/Underinsured Motorist Insurance coverage (UM/UIM), as a bolt-on to a standard policy, with the effect that:

  • You’re insured to the financial limit of your personal liability coverage when you’re injured in an accident with an uninsured, at-fault driver
  • Your passengers are covered in the same way
  • If you’re injured and the other driver has inadequate liability limits to meet the value of your claim, the shortfall is met under the terms and limitations of your own UIM policy

But what if you don’t have UM/UIM cover?

After all, it isn’t required by law, and people on a tight budget might try to save money by leaving UM/UIM out of their insurance cover. If this is your situation right now, then please feel encouraged to do whatever you can to remedy it; UM/UIM is a layer of vital protection for you and your loved ones.

Check the terms of your policy – insurance companies are compelled to offer UM/UIM cover. It’s also worth noting that if your insurance company didn’t expressly offer it OR if you didn’t reject UM/UIM coverage in writing, then you may be insured by default, with coverage implied by law.

Check the terms of your policy – insurance companies are compelled to offer UM/UIM cover. It’s also worth noting that if your insurance company didn’t expressly offer it OR if you didn’t reject UM/UIM coverage in writing, then you may be insured by default, with coverage implied by law.

If you definitely don’t have UM/UIM, can you sue the driver responsible for the accident? Possibly, but a driver who doesn’t have insurance isn’t likely to have the financial means to meet a claim. How about their assets? That’s something else to explore.

In short, if you’re injured in a road accident with an uninsured or underinsured driver, or one who is cagey about handing over details (so yep, let’s assume uninsured) then you need an auto accident attorney with the right expertise to negotiate the obstacles. Without an attorney familiar with the landscape, you could end up losing out.

Bighorn Law Auto Accident Attorneys are the experts at navigating the thorny issues associated with Uninsured Driver cases. No one protects your rights and fights your corner better than Bighorn Law.