Many auto insurance policies also include uninsured motorist coverage, which protects you in the event that you are involved in an auto accident with an uninsured motorist. In most cases, uninsured motorist coverage only covers injuries and not property damages, however. Uninsured motorist coverage will typically cover reasonable and necessary medical expenses, general damages (such as pain and suffering), and lost wages as a result of the accident.

Many times a motorist will carry some insurance but the insurance coverage will be insufficient to cover the damages associated with the accident. Under Nevada law, if you carry uninsured motorist coverage, you also have underinsurance coverage. Underinsurance coverage will apply to the difference between what the negligent driver’s policy covers and the total cost of the injuries.

Uninsured/underinsured motorist provisions are often not vehicle-specific, so they may also apply if you are injured as a passenger in another person’s vehicle, or a passenger on a bus or in a cab.