How Do I Protect Myself Against Uninsured Drivers?

Reader’s Question:

I have recently moved to Nevada for a one-year work assignment. What do I need to know about car insurance laws in this state in regards to uninsured motorist?

Bobbie

Carson City, NV

Nevada’s only requirement to its motorists is to have a minimum liability insurance coverage. Minimum coverage means the car insurance company will shoulder the medical expense and repair cost incurred following an accident that you caused.

Medical payments insurance covers 15 thousand dollars for a single driver’s treatment of bodily injury, or up to a total of 30 thousand dollars for all the passengers in the car involved in the unfortunate accident. A maximum 10 thousand dollars is assigned to cover repairs and/or replacement of the other motorist’s car.

But despite laws obligating Americans to have auto insurance, people still drive around without or with not enough coverage. This is why purchasing the Uninsured/Underinsured Driver’s Insurance is always a smart move. This type of insurance protects you and your family members from those kinds of drivers.

Uninsured/Underinsured coverage in your policy pays for medical expense incurred for treatment of bodily injury resulting from an accident where a driver with not enough liability coverage or having no auto insurance of any kind is at fault. This coverage also pays for medical treatment if you were injured by a hit-and-run driver. Remember, though, that for this type of auto insurance to kick in, the other motorist has to be declared at fault.