In This Article
Nevada law requires every driver to carry a minimum amount of liability insurance, but those minimums were never designed to cover a serious injury. Understanding what the law requires — and where it falls short — helps you protect yourself before a crash ever happens.
What Nevada Requires
Nevada mandates minimum liability coverage for bodily injury and property damage. These limits satisfy the legal requirement to drive, but a single emergency-room visit, surgery, or extended treatment can exhaust a minimum policy almost immediately.
The Gap Between Minimums and Real Costs
When an at-fault driver carries only minimum coverage, a seriously injured person can find that the available insurance covers only a fraction of their medical bills and lost income. The driver may have few personal assets to pursue, leaving a coverage gap.
Why UM/UIM Coverage Is Essential
Uninsured and underinsured motorist coverage on your own policy fills that gap, paying when the at-fault driver has no insurance or too little. Given how many Nevada drivers carry only minimums or nothing at all, this coverage is among the most valuable protection you can buy.
Reviewing Your Own Coverage
It is worth checking your policy now to confirm you carry meaningful UM/UIM limits. After a crash, a careful review of all available policies can uncover coverage you did not realize you had. A free review can help injured people map out every source of recovery.