Nevada is a “fault” state for financial losses arising from motor vehicle accidents
The party at fault for an accident (usually one or more of the drivers involved) is responsible for the harm resulting from the accident
Some insurance coverage is needed from one of the parties to an accident to cover costs incurred
If the other driver does not have enough coverage to cover all damages, you will usually file a claim with your insurance company and they will make a decision about whether to pursue a civil action against the other driver
Remember, though, that your liability coverage doesn’t apply to your personal injuries or vehicle damages
Uninsured Motorist (UM) coverage is not legally required in Nevada, but it can protect you in this situation and in the case of a hit-and-run accident
Collision coverage is specifically for damages to your vehicle and can save you the costs of repair in case of an accident
Your lawyer may advise you to pursue the other driver with a civil suit for damages, or take other action, so it’s essential to speak to a lawyer as soon as possible