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Helping Las Vegas Crash Victims Recover Compensation in Accidents Caused by an Uninsured Driver

Being involved in a car accident is stressful enough, but discovering that the other driver is uninsured can add even more uncertainty to an already difficult situation. At Peralta & Plank, we help accident victims in Las Vegas understand their rights and options when dealing with uninsured and underinsured motorists. With our trusted guidance and support, you can get the compensation you need to deal with your injury and the many ways another driver’s negligence has impacted your life.

Nevada’s Legal Requirements for Uninsured and Underinsured Motorist Coverage

Nevada law requires all drivers to carry minimum liability insurance, but not every driver follows this rule. In Nevada, nearly nine percent of drivers are uninsured. To protect against the risk of being hit by a driver who lacks adequate coverage or any insurance at all, insurance companies in Nevada must offer Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage. While these coverages are not mandatory, they provide crucial financial protection if you are injured by a driver who has no insurance or insufficient coverage to pay for your damages.

UM coverage helps cover medical expenses, lost wages, and other damages when the at-fault driver has no insurance. UIM coverage applies when the at-fault driver has some insurance but not enough to cover all your damages. If you have these coverages on your policy, they can make a significant difference in your ability to recover financially after an accident.

If you have a UM or UIM claim, don’t make the mistake of thinking you don’t need an attorney representing you. The insurance company will likely still undervalue your claim and offer to pay you less than you are entitled to, failing to take into account damages such as lost income or pain and suffering. With Peralta & Plank on your side, we can negotiate a fair settlement that respects your rights and meets your needs.

Uninsured Motorist Coverage Pays for Hit-and-Run Accidents

If you are the victim of a hit-and-run accident and the driver isn’t identified or found, UM coverage can step in to compensate you for your injuries and damages. Nevada law treats hit-and-run drivers as uninsured motorists, which means that if you have UM coverage, you may still be able to recover compensation even if the at-fault driver is never identified. Sadly, hit-and-run accidents are on the rise, so this is another reason why carrying UM coverage is so important—it provides a safety net in situations where the responsible party cannot be held accountable.

What to Do After an Accident with an Uninsured or Underinsured Driver in Las Vegas

If you are involved in an accident with an uninsured or underinsured driver, taking the right steps can help protect your claim:

  • Call the police – A police report can serve as critical evidence when making a claim through your UM or UIM coverage.
  • Seek medical attention – Even if you feel fine, injuries can manifest later, and medical documentation is essential for your claim.
  • Notify your insurance company – Inform your insurer about the accident as soon as possible to begin the claims process.
  • Consult an attorney – Insurance companies may try to minimize payouts. Having a skilled personal injury attorney on your side can help ensure you receive the compensation you deserve.

Let Peralta & Plank Fight for You

Dealing with an uninsured or underinsured driver can be challenging, but you don’t have to face it alone. At Peralta & Plank, we understand the complexities of UM and UIM claims and are committed to securing the maximum compensation for our clients. Whether you’ve been in a hit-and-run accident or were hit by a driver with no insurance, we are here to guide you through the process and protect your rights.

If you’ve been injured by an uninsured or underinsured driver in Las Vegas, Paradise, Henderson, or the surrounding areas, contact Peralta & Plank today for a free consultation. We work on a contingency fee basis—no fee until you win. Let us help you get the justice and compensation you deserve.