Were You Injured in an Accident Involving an Uninsured or Underinsured Motorist? Contact Van Law Firm
Suffering injuries in a car accident that was caused by another is bad enough, but the situation becomes even worse when the liable driver has minimal insurance coverage or none at all. Unfortunately, there are countless motorists in Nevada and all over the country who are considered to be uninsured or underinsured, which can have a brutal impact on accident victims’ ability to recover proper compensation for their damages. That’s where we come in–the elite team of Centennial Hills uninsured and underinsured motorist attorneys from Van Law Firm are ready to review your claim and help get you on the road to recovery. Call us today at (725) 900-9000 for more information.
What Are Uninsured and Underinsured Motorist (UM/ UIM) Provisions in Nevada?
Uninsured and underinsured motorist (UM/ UIM) provisions refer to additional insurance coverage that Nevada motorists can choose to add to their overall policy. Broadly speaking, these provisions are designed to help claimants pay for accident-related expenses in the event that the liable driver has limited coverage, no insurance at all, or hits and runs. UM/ UIM coverage can help pay for medical expenses, property damage, and time away from work. They are not mandated in Nevada, but the two are sold together instead of separately. One thing claimants should note is that if you do not wish to purchase this coverage, you must deny it in writing. However, if you are involved in an accident and your insurer cannot produce a copy of this declination, they are then obligated to extend UM/ UIM coverage to you.
These provisions can be a primary or secondary form of compensation–what we mean by this is that they can be used to cover as much of a claim as possible, or they can also be used to supplement any gaps that may exist between your full damages and the liable driver’s policy limits. Another note about UM/ UIM coverage is that it is typically not vehicle-specific, meaning that you can still be covered even if you are riding in another person’s vehicle or as a passenger in a cab, rideshare, or bus.
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How UM/ UIM Claims Work
Once you file a Centennial Hills UM/ UIM claim, your insurer will then step in and essentially play the role of the liable party, meaning that you will then have to go through them to recover compensation in the same way that you would with another driver’s insurer. Even though it may seem simple to deal with your own insurer after an accident, this is not always the case–no matter what insurers may advertise, they don’t want to pay for anything they aren’t forced to, even for their own policyholders.
UM/ UIM claims can be very frustrating, as nobody wants to have to argue to receive coverage that is rightfully theirs in the first place. Insurers may try to offer you less coverage than your claim warrants, or they may delay it unnecessarily or deny it outright. When that happens, the best thing you can do is take a deep breath and contact a UM/ UIM attorney.
At Van Law Firm, we make it a point to hire attorneys who have experience with insurance defense, because the more familiar we are with insurance companies and how they operate, the better chance we have of recovering UM/ UIM compensation for our clients. It can be extremely frustrating and disheartening to have to fight with your own insurer, but with the help of our UM/ UIM attorneys, you can get the compensation you need to get back as close to normal as possible.
Connect WIth Centennial Hills’ Best UM/ UIM Attorneys Now
When you need help recovering additional compensation for a Nevada accident involving an uninsured or underinsured motorist, don’t bother going to attorneys and firms who don’t have the experience or the resources to handle your claim effectively. Instead, call the trusted Centennial Hills uninsured and underinsured motorist attorneys from Van Law Firm. We can review your claim and fight for the compensation you deserve– call us today at (725) 900-9000 to schedule a risk-free consultation.
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