Las Vegas Uninsured Motorist Accident Lawyer

No. Under Nevada law (NRS 687B.385), an insurance company is strictly prohibited from increasing your premium, canceling your policy, or refusing to renew your coverage simply because you were involved in an accident that was not your fault. Filing a UM/UIM claim exercises a benefit you already paid for, and we will hold the insurer accountable if they attempt to penalize you illegally.

Yes, but it is rarely the most effective path. While we can easily obtain a court judgment against an uninsured driver, individuals who cannot afford basic auto insurance rarely have the personal assets, real estate, or liquid capital to satisfy a six-figure judgment. We will run an asset check to be certain, but your UM policy remains the most reliable and efficient way to secure the compensation you need.

Never accept cash at the scene. An uninsured driver offering $500 to “keep insurance out of it” is trying to escape liability. That cash will not cover the cost of a single ER visit, let alone physical therapy, lost wages, or hidden structural damage to your vehicle. Furthermore, failing to report the crash can violate the terms of your own UM policy, leaving you with nothing when your real medical bills arrive.

Yes. Nevada’s modified comparative negligence law applies. As long as you are 50% or less at fault for the crash, you can still recover damages through your UM policy. Your compensation will simply be reduced by your percentage of fault. If your insurer attempts to unfairly inflate your fault percentage to save themselves money, our litigation team steps in to shut that argument down.

In Nevada, there is no deductible for Uninsured Motorist Bodily Injury (UMBI) claims. If you are seeking compensation for medical bills, pain, and suffering, your UM limits are available from the very first dollar. A deductible only applies if you use your Uninsured Motorist Property Damage (UMPD) coverage to repair your vehicle, which typically carries a minor deductible (e.g., $250).

If the at-fault driver has no insurance and you rejected UM coverage in writing, recovery becomes exceedingly difficult. We will conduct an exhaustive asset check on the driver to see if a personal lawsuit is viable. We also investigate third-party liability—such as a defective car part, a dangerous roadway condition, or an employer who may be vicariously liable if the driver was on the clock. If no coverage exists, we negotiate aggressively with your medical providers to reduce your medical liens and minimize your out-of-pocket debt.