Every state apart from New Hampshire requires drivers to have liability insurance.
However, the minimum policy limits in Nevada are low, at $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage. Therefore it is advisable for Nevada drivers to buy uninsured or underinsured motorist coverage, in case they are involved in a serious accident.
In some other states, Florida and New Jersey, the limit is even lower for bodily injury, at $10,000 but most are between $20,000 and $30,000, with Alaska and Maine having the highest at $50,000.
However, although if you have the minimum you are within the law, that does not prevent you from being personally liable if you are to blame for an accident. You would have to pay yourself for the loss and damage you have caused. And if it is you who are injured, you can either settle for the policy limit, which will often not be sufficient to compensate you, or you will have to appoint an attorney to try and claim directly from the person who caused the accident.
Therefore, to protect yourself in either of these eventualities you should buy additional coverage which allows you to claim against your own insurance to make up the shortfall.
If you, or someone you know, have been the victim of a serious car accident, contact the Reno accident attorneys of Jolley Urga Woodbury & Little at (702) 699-7500 or contact us online today.
