In Las Vegas, underinsured and uninsured driver accidents are those that involve an at-fault driver who does not have any or does not have enough liability coverage to meet the expectations of a victim. These types of insurance policies are those you purchase to cover yourself, but they are not as direct as filing a simple claim. A Las Vegas car accident attorney at Bighorn Law can assist with your claim.
Types of Accidents Covered by Las Vegas Underinsured and Uninsured Policies
In Las Vegas, drivers are legally required to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage at the minimum. If a person causes an accident, this liability insurance covers the losses the driver caused to another person. Any type of liability-related accident could become an uninsured or underinsured claim if the at-fault party does not have enough insurance to cover the losses.
The Insurance Information Institute states that about 4% of drivers do not have the necessary liability insurance they need to drive. That means that 4 people out of 100 accidents may have to deal with financial loss caused by another party without access to enough liability insurance to cover those losses.
How to File a Claim After a Las Vegas Uninsured or Underinsured Driver Accident
As the victim, you can file a claim for the losses you have with your personally purchased underinsured/uninsured driver coverage. That comes from your own insurance company. Once you do, the insurance company may then go after the person who caused the losses if they can determine who this is.
You must file a claim for this type of accident with your insurance company. However, as with any type of car insurance claim, it is critical that you view this transaction with careful attention to detail. The insurance company is not likely to provide you with comprehensive full coverage. They want to minimize their losses. They will try to minimize the amount of compensation paid.
As a result, you may find it easier and more effective to turn to an attorney who can help you seek out full compensation for the losses you have. Doing so may preserve your right to damages.
What Happens When the Motorist Does Not Have Insurance Coverage?
When an at-fault driver causes an accident that leaves you with medical bills and other losses, you do not have to worry about filing a claim through their insurance company. Instead, you can file it on your own. Your insurance company may then seek out legal action against the at-fault party, including seeking to take possession of assets they own.
With the help of a car accident attorney, you will gain insight into how to seek out fair damages for your losses. It is a good idea to request a free consultation with a local, known car accident attorney to find out if you need to pursue legal action or if the insurance company is providing you with a clear claim that accurately represents your losses. Call Bighorn Law to schedule a free consultation with a Las Vegas car accident attorney today.