In This Article
Getting hit by a driver with no insurance — or far too little — is a frustratingly common scenario in Nevada. When the at-fault driver cannot cover your losses, your own uninsured and underinsured motorist coverage may be the most important protection you have.
What UM and UIM Coverage Do
Uninsured motorist (UM) coverage pays when the at-fault driver has no insurance; underinsured motorist (UIM) coverage fills the gap when their limits are too low to cover your injuries. Both draw on your own policy but are designed to compensate you for someone else's fault.
Why It Matters So Much in Nevada
Nevada's minimum liability limits are modest, and a meaningful share of drivers carry no coverage at all. A single serious injury can easily exceed a minimum policy. Without UM/UIM coverage, injured people are often left chasing a driver who simply cannot pay.
Your Own Insurer May Still Fight You
It surprises many people that filing a UM/UIM claim can feel adversarial — because you are now seeking money from your own insurance company, which has a financial incentive to minimize the payout. Nevada law imposes good-faith obligations on insurers, and bad-faith handling can itself give rise to a claim.
Maximizing Your Available Coverage
Reviewing all applicable policies — yours, a household member's, and sometimes others — can reveal more coverage than you expected. Understanding how Nevada treats stacking and offsets is key to recovering the full benefit you paid for. A free review can help you map out every source of recovery.