Nevada Underinsured Motorist Attorney Las Vegas
Nevada requires all drivers to carry a minimum of $25,000 per person in bodily injury liability insurance — an amount that falls woefully short when a serious accident causes tens or hundreds of thousands of dollars in medical bills and lost wages. When the at-fault driver’s policy limit doesn’t cover your full damages, your own underinsured motorist (UIM) coverage becomes critical. Marathon Law Group’s Las Vegas UIM attorneys fight insurance companies — including your own — to recover every dollar of coverage available under your policy.
How Nevada UIM Coverage Works
Underinsured motorist coverage pays the gap between the at-fault driver’s liability limit and your total damages, up to your own UIM policy limit. For example, if your damages total $150,000 and the at-fault driver carries only $25,000 in liability coverage, your UIM policy with a $100,000 limit would pay an additional $75,000 — bringing your total recovery to $100,000. Nevada law requires insurers to offer UIM coverage in amounts equal to your liability coverage limits, though it may be waived in writing. Having higher UIM limits provides critical protection in serious accidents.
When Your Own Insurance Company Fights Your UIM Claim
Despite paying premiums for UIM coverage, many insurers dispute, delay, or undervalue UIM claims. Your insurer may argue your injuries aren’t as severe as claimed, dispute the value of future medical treatment, or contest whether the at-fault driver was truly at fault. Nevada law requires insurers to handle claims in good faith. When an insurer unreasonably denies or delays a valid UIM claim, it may be liable for insurance bad faith damages beyond the policy limit. Marathon Law Group has experience fighting both at-fault drivers’ insurers and clients’ own insurance companies to secure full UIM compensation.
Maximizing Recovery Through Multiple Coverage Layers
A thorough post-accident insurance analysis by Marathon Law Group identifies every available layer of coverage — the at-fault driver’s liability policy, your UIM coverage, any additional umbrella policies, medical payments coverage, and health insurance subrogation management. Coordinating all of these layers correctly can dramatically increase your net compensation after medical bills are paid.
Contact Marathon Law Group — Las Vegas UIM Accident Lawyers
If the at-fault driver in your Las Vegas accident had insufficient insurance, do not assume you are limited to their policy. Call Marathon Law Group for a free case evaluation to identify all coverage available to you. Contingency fee — no recovery, no fee.