The Insurance Research Council (IRC) reports that as high as 15 percent of all drivers in Nevada are uninsured or don’t carry the legal minimum for bodily injury or death. Beyond that, if you are seriously injured in a car accident, chances are medical costs for emergency treatment and ongoing physical therapy will quickly surpass the minimum amount of coverage required by Nevada law.
Because Nevada operated under a tort system for insurance litigation, an injured driver has the right to sue the responsible party for insurance coverage to pay for the damages caused in the crash. In cases where the negligent party does not carry insurance, the injured party is left to sue their own underinsured motorist policy. Unfortunately, the insurance company functions by rewarding the lowest settlements and policy payouts, often leaving you with heaping amounts of unpaid damages.
Your policy is a complex legal document and you’ll need an attorney that has the skills and experience to understand the nuanced of the legal language in your policy. Our Las Vegas personal injury lawyers at Cogburn Law Offices can help you comprehend the many “grey areas” in these cases and can attempt to recover compensation for your injuries. If the policy limits are insufficient to pay for your damages, we can review the facts in your case, and potentially file a lawsuit against the negligent party in civil court.