In some instances you may be involved in a car accident where the other side does not have insurance or has allowed their car insurance to lapse. This is not an uncommon problem, however, if you should run into this issue make sure that you properly document the accident like you would any other accident. That means calling the police, taking pictures of property damage and bodily injuries.
What Can You Do If The Other Party Is Uninsured?
The first thing you should do is contact your own insurance company and make sure you have uninsured/under-insured motorist. This means that if the other side does not have insurance (or enough insurance to cover your injuries) your own insurance company will step in and cover your damages as if they themselves were the party who hit you.
Under-insured/Uninsured Motorist Coverage
In the State of Nevada, if you have one coverage, you automatically have both. However, it is still important to properly document your accident and seek an Attorney even when dealing with your own insurance companies. The rules and regulations that come with Bad Faith Insurance cases (suing your own insurance company for failing to adhere to the under-insured/uninsured motorist coverage) are vast and complicated. Make sure you protect yourself.
*Kang & Associates d/b/a Ace Law Group has been in operation since 2009 and represents clients in the areas of Personal Injury, Criminal Defense, and Civil Litigation.