The way the law works in Nevada (and majority of the States in the US) is a driver's policy limits can limit the exposure of liability in car accident cases to the Insurance Company. Usually what this means, is if the person who hit you does not have money, than the only source to recover from is the Insurance Company. If the Insurance Company has a low policy limit (in Nevada the law requires a minimum policy of $15,000.00/$30,000.00) then that could be problematic when it comes time to recover for your damages.
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