The state of Nevada requires motorcycle insurance for all motorcycles registered in the state. This insurance covers damages should the rider be found at fault in the event of an accident that injures other people. However, it does not protect the motorcyclist if they are injured in a crash. There are certain accident scenarios that could arise that amplify the importance of motorcycle insurance in Nevada. The motorcycle accident attorneys at Lerner and Rowe explore four reasons you need motorcycle insurance in Nevada.
4 Reasons You Need to Have Motorcycle Insurance in Nevada:
- Financial Protection for Yourself: While liability insurance covers others if you are at fault, it doesn’t cover your own medical bills, lost wages, or pain and suffering. Medical expenses after a motorcycle accident can be significant, and without insurance, you could be stuck with a mountain of debt.
- Uninsured/Underinsured Motorists: Many drivers in Las Vegas are uninsured or underinsured. If you’re hit by one of them, you’ll need uninsured/underinsured motorist (UIM/UM) coverage to pay for your medical bills and other damages.
- Hit-and-Run Accidents: Even if the other driver isn’t around to be identified, UIM/UM coverage can still help you recover your damages.
- Legal Defense: Insurance companies often try to deny claims or minimize payouts. Having motorcycle insurance provides you with legal defense to fight for the compensation you deserve.
Although it is against the law to drive a vehicle without insurance, there are far too many people driving uninsured vehicles. Some of those drivers may not realize their insurance lapsed. However, there are a great many uninsured drivers who, for whatever reason, have chosen to break the law.
Regardless of the reason, if you are in an accident and the at-fault driver has no insurance, you have no place to file your claim to recover damages. This is why motorcycle drivers should consider purchasing underinsured/uninsured (UIM/UM) insurance.
Although UIM/UM motorcycle insurance in Nevada does not cover property damage, it will cover your medical expenses, lost income, and pain and suffering. Once your expenses exceed the coverage the at-fault driver has, then the UIM/UM clause in your policy kicks in.
Here is how it works:
Let’s say Driver A has $20,000 in UIM/UM insurance. Driver B causes an accident. Say Driver B only has $15,000 in liability insurance. Driver A’s total expenses are $30,000. Driver A would receive $15,000 from Driver B’s insurance company and $15,000 from their own insurance company for damages. Keep in mind that insurance companies often attempt to minimize damages or blame the motorcyclists for the accident to deny the claim.
Hire a Top Motorcycle Accident Injury Lawyer From Lerner and Rowe
If you’ve been hurt in a motorcycle accident because of someone else’s reckless or negligent behavior, contact the experienced Nevada personal injury lawyers at Lerner and Rowe today. You can give us a call at 844-977-1900, get in touch via , or fill out your own to get a free case evaluation today.
The information on this blog is for general information purposes only. Nothing herein should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.