Uninsured Motorist and Underinsured Motorists Insurance is an optional addition that can be part of your auto insurance policy that covers the losses of a car accident when the other driver is at fault and when they have inadequate insurance or none at all.
Uninsured motorist injury coverage covers damage to the people, including you, in your vehicle. These damages include medical expenses, lost wages, and pain and suffering.
Underinsured motorist injury coverage covers you if the at-fault driver’s insurance limits do not cover your compensatory damages.
In the state of Nevada, both types of coverages are combined into a single policy. So if you purchased uninsured motorist coverage, you are immediately covered for the damages made by an under-insured motorist as well.