You still have a claim if you were injured in a crash involving a driver who doesn’t have the minimum car insurance requirements. The real issue, however, is whether the at-fault party can afford to pay for your damages and injuries. The primary purpose of car insurance is to provide compensation for those driver injures in a crash. Without car insurance, most people can’t afford to pay their medical bills or to repair their car. To protect yourself from drivers without car insurance, you should purchase uninsured motorist (UM) insurance policies. UM insurance policy aims to protect you if you were injured by an uninsured driver. Nevada requires insurance companies to offer UM coverage to their customers. See Nev.Rev.Stat. § 690B.020. The limits of the insurance offered must be at least equivalent to the Nevada minimum liability limit of $25,000 per person and $50,000.00 per accident. Many people opt to purchase higher UM/UIM limits for their protection, up to an amount equal to their liability insurance limits.