In This Article
When injuries are severe, a single insurance policy often falls short of covering medical bills, lost income, and future care. The difference between an underfunded settlement and full compensation frequently lies in finding every applicable policy — a process sometimes called stacking.
Multiple Liable Parties
A single crash can involve several at-fault parties, each with their own coverage: a negligent driver, that driver's employer, a vehicle manufacturer, or a government entity. Identifying all of them multiplies the available insurance and can transform a claim that would have been capped by one small policy.
Uninsured and Underinsured Motorist Coverage
If the at-fault driver has too little insurance, your own underinsured-motorist coverage can fill the gap. Depending on your policy, coverage from multiple vehicles in your household may apply. Nevada's rules on stacking UM/UIM coverage are technical, so the policy language and facts must be analyzed carefully.
Umbrella and Commercial Policies
Defendants may carry umbrella policies that sit atop their primary coverage, or commercial policies with high limits. These are not always disclosed voluntarily; finding them requires investigation and sometimes formal discovery in litigation.
Free Coverage-Hunting Review
If your injuries are serious and you fear the available insurance is not enough, a free review can help identify additional policies and parties. Injury Claim Team connects you with attorneys who pursue every source of recovery.