Underinsured or Uninsured Coverage
Anyone who has suffered injury in a vehicular accident knows all too well how high the subsequent property damage and medical bills can run. In addition to immediate emergency care, long-term rehabilitation needs will often enter the picture. When the at-fault driver proves to have inadequate coverage or none at all, what happens then?
Uninsured and Underinsured Motorists
Although the state of Nevada demands that all motorists carry liability coverage, at least one in 10 remains essentially uninsured. This includes the driver who:
- Carries no insurance whatsoever.
- Carries insurance that fails to meet the minimum state requirements.
- Carries insurance through a company that either denies the claim or proves financially unable to pay it.
- Leaves the scene and disappears indefinitely.
If any of the above should factor into your case, you might be in need of a personal injury attorney from a firm known for success in litigating personal injury cases. Weiner Law Group can help.
Uninsured and Underinsured Motorist Coverage
Most Nevada drivers enjoy the protection of uninsured/underinsured motorist coverage. Also known as UM/UIM, it handles any medical expenses and property losses sustained by a driver or his passengers in a collision with an uninsured motorist. Coverage usually includes such things as:
- Medical bills.
- Prescription drugs.
- Rehabilitative needs.
- Ongoing and in-home care.
The exact coverage and limits will vary from one policy to another.
The Limitations of UM/UIM Insurance
While the state of Nevada does not mandate the purchase of UM/UIM insurance, anyone who chooses to avail himself of this option will soon find that its coverage cannot legally exceed the amount of his personal liability policy. In some cases, that can leave the insured burdened by unpaid bills. This can also happen when your medical needs exceed the limits of an underinsured motorist’s coverage.
How Weiner Law Group Helps You Recover
Weiner Law Group’s expert personal injury attorneys take a dedicated approach to protecting the interests of those who have suffered injury at the hands of uninsured and underinsured motorists. Because an accurate reconstruction of the accident scene is vital to defending your rights, we take the time to:
- Painstakingly investigate remaining skid marks.
- Evaluate all property damage.
- Locate witnesses and take their statements.
- Study police reports.
- Seek out and obtain any existing video evidence.
This meticulous approach allows us to make the vital determination of fault.
When the Case Goes to Court
Uninsured and underinsured vehicular accidents are often the subject of litigation. These cases can be contentious. When an accident victim sues the at-fault motorist to recover his medical and property losses, the insurance company’s attorneys will normally respond by attempting to shift liability onto the victim, claiming that his negligence contributed at least partially to the accident.
For example, if the court should find that you were 30 percent at fault for the accident that caused your injuries, it will permit you to recover only 70 percent of your total medical and property damage expenses. Such accusations of contributory negligence are often unwarranted. If you should find yourself accused of having played a role in causing the accident that harmed you, the personal injury attorneys at Weiner Law can help.
In the best-case scenario, the court will determine that the uninsured or underinsured motorist was entirely responsible for causing the accident in which you suffered harm. When that is the case, the insurance company will be liable for covering 100 percent of your associated costs.
Your Las Vegas Auto Accident Attorney
If you have suffered injury in a car accident and need help in determining fault or have questions concerning the extent of your UM/UIM coverage, the experts at Weiner Law Group are ready to help. Our careful reconstruction of the accident scene and analysis of your policy’s terms will assist you in making an accurate determination. Call 702-202-0500 today for a free consultation and learn what Weiner Law can do for you.