If you were in an accident with an uninsured motorist, you are probably wondering where to turn to for help with your medical bills and other expenses. Obviously, filing a claim with the at-fault driver’s insurance company is not an option.
These types of car accident cases can be complicated, but a Las Vegas uninsured car accident lawyer can help. Ben Crump Law, PLLC can take some of the stress out of the process of seeking monetary compensation for your injuries and more. Call our offices for a free consultation at (800) 598-7557.
Car Accidents Can Be Expensive
Serious car accidents can result in serious costs. If you suffered severe injuries, you could be facing tens if not hundreds of thousands of dollars in past and future medical bills. According to the Centers for Disease Control and Prevention (CDC), Americans spend more than a million days in the hospital every year from car accident injuries. In 2012, the average cost of a crash-related hospitalization was nearly $60,000. After a crash, you may require:
- X-rays, CT scans, MRIs, and other testing
- Physical therapy
- Mobility aids
- Home health care
- Rehabilitation services
Following an accident, especially one with an uninsured driver, you may be reeling as you wonder where to turn to for help with these and other expenses. A Las Vegas uninsured car accident lawyer may be able to help you work with your own insurer to cover your claims.
For a free legal consultation with a uninsured car accidents lawyer serving Las Vegas, call 800-598-7557
Understanding Insurance Coverage
It may surprise you to learn that about one in eight drivers is uninsured, according to the Insurance Information Institute (III). This is despite the fact that nearly every state requires, by law, some form of automobile insurance coverage.
According to the Nevada Division of Insurance (DOI), drivers must have $25,000 in liability coverage for bodily injury to one person, $50,000 for bodily injury to two or more people, and $20,000 in coverage for property damages. Liability insurance pays for injuries and property damages you cause others in an accident that is your fault.
There are other types of optional coverage that pay for your injuries and expenses. Adding these policies will increase your monthly premiums, but it may be worth it if you are hit by an uninsured motorist. These policies include:
- Collision – This coverage pays for damages to your vehicle, no matter who is at fault for the accident.
- Comprehensive – This coverage pays for damages to your vehicle caused by something other than a crash, such as floods, fires, or vandalism.
- Uninsured or Underinsured Motorist – As the name implies, this coverage kicks in to pay for injuries to yourself or your passengers if you are hit by an uninsured or underinsured driver. This coverage applies in accidents where the other driver is at fault but does not have any coverage or enough coverage to pay for your medical costs.
- Medical Payments (Medpay) – This coverage pays for your medical costs or your passengers’ medical costs, no matter who is responsible for the accident. This coverage also applies if you are hit by a car while traveling as a pedestrian.
After your accident, you should contact your insurance provider to find out if you carry any type of policy that can help you. If your injuries are serious, it may benefit you to contact a Las Vegas uninsured car accident lawyer. Insurance companies are for-profit businesses. The more of your premiums they can pocket without having to pay you a claim, the better it is for their financial bottom line. You may want a lawyer to fight for you if your insurer tries to deny or underpay your claims. It is a good idea to have an attorney look over any settlement before you agree to it to make sure all of your present and future medical and financial needs are fully compensated.
Las Vegas Uninsured Car Accident Lawyer Near Me 800-598-7557
You can take the uninsured driver who hit you to court. However, if you have costly medical bills, you may never be able to fully collect what you are owed. Defendants cannot pay you money they do not have, and most people are unable to pay for expensive medical treatments out of pocket. While a lawsuit is an option and may provide you with a sense of justice, it will likely not be a viable way to actually receive a satisfactory settlement.
Penalties for Uninsured Drivers
It may give you peace of mind to know that there are penalties for driving without insurance in Nevada. According to the Department of Motor Vehicles (DMV), drivers who are caught driving without insurance will pay vehicle registration reinstatement fees and fines. The fees and fines increase based on the number of prior offenses and how long the driver has allowed their insurance to lapse. Drivers who commit three uninsured driving offenses within five years will have their driver’s license suspended for a minimum of 30 days.
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Call Ben Crump Law, PLLC for Help
The legal team at Ben Crump Law, PLLC believes in fighting for the powerless. We do not want to see you steamrolled by big insurance companies that may not have your best interests in mind.
Uninsured motorist cases can be complex, but you do not have to navigate your insurance claims alone. A Las Vegas uninsured car accident lawyer can make sure you are represented throughout the insurance negotiation process and that any settlement you accept is fair and adequate. If need be, we can help you file a lawsuit against the driver who caused your accident.
To minimize your burden and help you seek justice, our firm will take your case on contingency. This means that any fee we collect comes from any settlement you receive. You owe us nothing out of pocket, and we only get paid if we win your case. Our team can get you started today with a free consultation. Call us at (800) 598-7557.