Understanding Uninsured and Underinsured Motorist Coverage in Nevada

What Is Uninsured and Underinsured Motorist Coverage?

If you’re hit by a driver in Nevada who doesn’t have car insurance—or doesn’t have enough—your own policy may be the only safety net you have. That’s where uninsured and underinsured motorist coverage (UM/UIM) comes in.

This type of coverage helps pay for your medical expenses, lost wages, and other damages when the at-fault driver lacks the necessary insurance. While not required by law in Nevada, it’s one of the most important protections you can add to your policy.

Why This Coverage Matters in Nevada

According to the Insurance Research Council, an estimated 10% of Nevada drivers are uninsured. Even more carry the minimum liability limits, which may not be enough to cover serious injuries.

In a city like Las Vegas—where traffic accidents are frequent and often severe—this coverage can be the difference between financial recovery and financial hardship.

What UM/UIM Coverage Includes

Uninsured and underinsured motorist coverage helps in situations such as:
– Getting hit by a driver with no insurance at all
– An at-fault driver who carries only the minimum liability limits
– A hit-and-run accident where the driver is never found
– Accidents where the other driver’s policy limits are exhausted before all your medical bills are paid

In all of these situations, your UM/UIM coverage steps in to help make up the difference.

Is UM/UIM Coverage Mandatory in Nevada?

Nevada does not require drivers to carry uninsured or underinsured motorist coverage. However, insurance companies must offer it to you. You must decline it in writing if you choose not to add it to your policy.

At Anthem Injury Lawyers, we recommend carrying UM/UIM coverage to protect yourself and your family. Even the safest drivers can’t control what other people do on the road.

For more information, visit the Nevada Division of Insurance page on automobile insurance requirements.

How Much Coverage Should You Carry?

We recommend that your uninsured and underinsured motorist limits match your liability limits. For example, if you carry $100,000 in liability coverage, you should also carry $100,000 in UM/UIM coverage.

Talk with your insurance agent to make sure you’re adequately protected. The cost to increase your coverage is usually minimal compared to the potential financial impact of a serious accident.

What to Do After an Accident with an Uninsured Driver

If you’re involved in an accident with an uninsured or underinsured motorist, take these steps:
1. Call 911 and file a police report.
2. Gather information from all parties involved.
3. Document the scene with photos and notes.
4. Seek medical attention immediately—even if you feel okay.
5. Contact Anthem Injury Lawyers right away to protect your rights and maximize your claim.

Anthem Injury Lawyers Can Help

Our experienced team at Anthem Injury Lawyers knows how to handle UM/UIM claims effectively. Insurance companies often try to minimize payouts—even when it’s your own provider.

We fight to ensure that you receive full and fair compensation for your injuries, pain, and losses. If you’re dealing with a UM/UIM claim in Nevada, contact us today for a free consultation.

Call us at (702) 857-6000, visit our Henderson office conveniently located at 3145 Saint Rose Parkway, Suite #220, Henderson, Nevada 89052 or fill out our contact form to get in touch with us right away. You can come to us, we can come to you, or we are happy to help you over the phone.

Final Thoughts

Uninsured and underinsured motorist coverage isn’t just an add-on—it’s an essential part of protecting yourself on Nevada roads. Don’t wait until it’s too late to find out you’re underinsured. If you want to learn more you can also watch our interview What is Uninsured Motorist Coverage? on GR8 Pros To Know.

If you’ve been injured in an accident and need legal help, Anthem Injury Lawyers is here for you.