If you drive a car in Las Vegas, you probably have heard about liability insurance. It is required by Nevada law. You must have a minimum policy of $15,000 per person/$30,000 per accident before you can register you vehicle. When you are in a car accident and you are at fault, you have liability insurance to cover the damages and injuries to the other person involved in the accident. What most people do not know is that when you only have liability insurance, you are protecting everyone on the road, except yourself!
That is where UIM insurance comes onto the scene. UIM stands for Under Insured Motorist coverage. Most people do not know what this coverage means and therefore usually do not get it.
When does UIM insurance come into play? Anytime the other at-fault driver is uninsured, or does not have enough insurance to cover your damages, then UIM coverage kicks in. When you buy your liability insurance policy, Nevada law requires that the insurance company, offer you UIM coverage as well. You can change your insurance policy at any time and elect to cover yourself while you are driving. When people purchase liability insurance, they think they are fully covered, but if you do not have UIM, you are driving around naked!
Hit and run car accidents are an all too common scenario in Las Vegas. Also, every day someone on the Las Vegas roads is breaking the law and is driving without insurance, even if they do stop after hitting you. In both of these examples, if you do not have UIM coverage, you will be unable to recover anything for your injuries, if they were at fault for the accident and you only had liability insurance. With UIM insurance, you will be covered.
There is another benefit of having UIM insurance coverage. If the person who caused the accident, had low insurance limits and you need more coverage, your own UIM insurance will kick in, once the other person’s insurance is maxed out.
How do you know if you have UIM coverage? Look at the declarations page of your insurance policy. This is the page that tells you what types of insurance you have and how much insurance you have. You can also contact our office and we will be happy to look at your insurance policy for you or call your insurance company to see if you have UIM insurance coverage.
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