Did You Know One in Eight Drivers Is Uninsured?

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    August 13 2021

    Did You Know One in Eight Drivers Is Uninsured?

    Do you have car insurance or are you an uninsured driver? A new report from the Insurance Research Council looked at how many drivers were on the road without insurance. According to the study, one in eight drivers is uninsured. Read on as we look at the report on uninsured drivers. We will also provide insight into Nevada’s insurance requirements.

    We hope the below discussion helps you understand uninsured drivers and Nevada auto insurance requirements. If you are injured in a car accident, contact an experienced Las Vegas personal injury lawyer. A personal injury lawyer will help to protect your rights and ensure you receive maximum compensation.

    Anthem Injury Lawyers in Las Vegas has a dedicated team of lawyers and staff ready to help you win your personal injury case. Insurance companies are not motivated to pay you significant compensation. You need an experienced Las Vegas personal injury lawyer to fight for your rights. Our personal injury lawyers offer over 25 years of experience winning compensation in personal injury cases. Your choice of a Las Vegas personal injury lawyer is one of the most consequential decisions you will ever make. We have the knowledge and expertise you need to receive the compensation you deserve for your injuries. Just any lawyer won’t put you in the best position to win your Las Vegas car accident case. It’s important to select a Las Vegas  lawyer who has a winning track record in cases like yours. Contact Anthem Injury Lawyers today at (702) 857-6000 to schedule a free consultation.

    How Many Uninsured Drivers Are On the Road?

    The Insurance Research Council recently released the following report:

    The report examined the following:

    • Trends in the percentage of uninsured motorists in each state based on uninsured motorists and bodily injury claim frequencies from 2015 through 2019.

    It found that in 2019:

    • One in eight drivers on U.S. roads was without auto insurance.
    • The countrywide uninsured motorist rate was 6 percent.
    • Uninsured motorist rates varied substantially across states, ranging from 1 percent in New Jersey to 29.4 percent in Mississippi.
    • In Nevada, the estimated percentage of uninsured drivers was 4 percent.

    Uninsured Drivers Cost Everyone Else

    Why does the number of uninsured drivers matter? Uninsured drivers cost everyone else money. The study found the following:

    • Insured drivers paid, on average, approximately $78 per insured vehicle in 2016. This was for insurance protection against at-fault drivers who are uninsured or who have inadequate insurance to cover the medical costs and property damage incurred by others.
    • Across the U.S., insured drivers in 2016 paid more than $13 billion for uninsured/underinsured motorist coverage

    Nevada Auto Insurance Requirements

    If you are a driver in Nevada, you are required to have automobile insurance. Nevada requires that automobile liability insurance policies carry minimum coverage of the following:

    • $25,000 for bodily injury or death of one person in any one accident.
    • $50,000 for bodily injury or death of two or more persons in any one accident.
    • $20,000 for injury to or destruction of property of others in any one accident.

    Coverage must be validated by an insurance company authorized to do business in the State of Nevada.

    Nevada LIVE Verification

    Nevada LIVE verification applies only to liability insurance. In Nevada, you must present evidence of insurance on a printed card or on a mobile device to register your vehicle. It must be presented at most registration transactions. It must also be carried in your vehicle at all times and presented to any law enforcement officer upon request.

    Does Nevada Have a Grace Period?

    Uh-oh! What happens if you let your insurance coverage lapse? Nevada has no grace period. A one-day lapse in your insurance coverage will result in a possible suspension of your registration. The minimum penalty is a $250 reinstatement fee.

    Don’t deal with the stress of talking to insurance companies alone. If you or a loved one are injured in a car accident, you should speak with an experienced personal injury lawyer. The law firm of Anthem Injury Lawyers has a dedicated team of personal injury lawyers serving Las Vegas area residents. We are here for you; there’s no need to worry about affordability: our Las Vegas car accident lawyers aren’t paid unless you win. Call Anthem Injury Lawyers today at (702) 857-6000 to make an appointment for a free consultation.

    Do Nevadans Pay the Most in Car Insurance Premiums?

    One of the reasons Nevadans may be reluctant to get car insurance is the cost. Stacker recently published the following article:

    In the article, Stacker ranked all 50 states according to where car insurance premiums cost the most on average. It ranked based on statistical data on annual auto insurance premiums.

    Nevada ranks among the top 10 states paying the most in car insurance premiums. According to the study:

    • Nevada has 1,983,453 licensed drivers.
    • Nevada’s average annual premium is $1,295.
    • Nevada’s average full coverage cost is $3,061.

    For more information on the study or to see how other states rank, see our article:

    How Do Nevada Auto Insurance Companies Determine Your Rate?

    Do you wonder how Nevada auto insurance rates are so high? Especially when there are over 140 companies offering auto insurance in Nevada. According to the Nevada Division of Insurance, insurance companies use a variety of factors to determine the cost of auto insurance. Insurance companies will request information to determine your rating. Your rating is the determination of premium based on several risk characteristics, including:

    • Driving record
    • Geographic area
    • Gender
    • Age
    • Marital status
    • Prior insurance coverage
    • Vehicle use
    • Usage-based insurance
    • Make and model of vehicle
    • Credit-based insurance scoring

    For more information on your insurance rate, see our article:

    If you have auto insurance, you may be able to lower your rate. You can contact insurance companies to ask about available discounts.

    Don’t let the complexities of insurance get you down! Anthem Injury Lawyers understands how to deal with insurance companies, especially if you’ve been the victim in a car accident. Call us now to schedule your free case review: (702) 857-6000. We have won many Las Vegas car accident cases like yours, gaining top compensation for our clients. Our car accident lawyers know how to get you the compensation you deserve for your injuries.


    The law firm of Anthem Injury Lawyers understands that no amount of insurance coverage can protect you from a car accident. If another person has injured you, it’s important that you seek experienced legal representation. You can be reassured that our personal injury lawyers offer  the knowledge and expertise you need to win  maximum compensation for your injuries. Time is of the essence. Get in touch with our Las Vegas personal injury lawyers today, so we can begin pursuing significant compensation for you. If you cannot visit our Las Vegas area office, we can come to you to discuss your personal injury case.

    We have over 25 years of experience specializing in personal injury claims; exactly the level of experience you need to win your personal injury case. Don’t wait. Now is the best time to schedule your appointment with us to discuss the details about your Las Vegas area accident. Have our personal injury lawyers examine the facts and learn about your case. We’ll fight for your rights and help you get the compensation you deserve as an accident victim. See why our Las Vegas lawyers give you the best opportunity to win significant compensation. Call Anthem Injury Lawyers today at (702) 857-6000 to make an appointment for a free consultation.


    Published by Puneet K. Garg

    Attorney Puneet K. Garg is one of the founding partners of Anthem Injury Law. He has vast experience serving various clients with their different needs. Puneet’s representation of clients has included serving as counsel to Fortune 500 companies, large and small healthcare providers, celebrities, large and small businesses, personal injury victims and individuals needing help with their everyday needs. He has represented clients from all over the world in both state and federal court in Nevada.

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