I retained Paul Padda after firing my other lawyer. Best decision I ever made! He did a fantastic job for me in handling my personal injury case. Always courteous and cares about his clients. Great office staff that cares about people. With Mr. Padda, I felt comfortable every step of the way. My first choice for a lawyer!
Paul Padda is a great attorney that cares about his clients. I hired him and was impressed. Very good in court and handled my case really well. He took the time to understand my case and cared about me as a person. He would be the first person I call if I need an attorney again.
Overview
Hit by a Driver With No Insurance? We Can Help You Find a Path Forward
Finding out the driver who just hit you doesn’t have insurance is a terrifying moment. You are suddenly left wondering how you will pay for your wrecked car, mounting medical bills, and time missed from work. You followed the law and did everything right, yet you feel like you are the one left holding the bag. Please know that you are not out of options, and you do not have to face this financial nightmare alone.
At Paul Padda Law, we offer comprehensive legal strategies designed specifically to uncover alternative avenues of compensation when the at-fault driver lacks coverage. As your dedicated Uninsured Driver Accidents Lawyer In Las Vegas, we step in immediately to lift this burden off your shoulders. We will thoroughly review your own auto policy to utilize your Uninsured/Underinsured Motorist (UM/UIM) coverage, investigate whether the at-fault driver has personal assets worth pursuing, and explore every possible angle to get your bills paid. We handle the frustrating back-and-forth with the insurance companies so you can focus entirely on healing.
You can trust our firm because we have spent years successfully fighting for injury victims right here in the Las Vegas Valley. We know the specific hazards of our local roads—from the congested intersections near the Strip to the high-speed traffic on the 15 and 215—and we know exactly how local insurance adjusters try to minimize payouts. We treat you like a real person, not just a claim number, and we are committed to aggressively protecting your physical and financial recovery.
Let us scrutinize your situation and build a customized plan to make you whole again. Contact us online or call (702) 707-7000 today to schedule a free, no-risk consultation.
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Table of Contents
Nevada Auto Insurance Requirements
Nevada law requires that all drivers be covered by liability insurance. This ensures that if any driver causes a crash, that driver can be held financial responsibility for damages.
As of July 1, 2018, drivers must have at least $25,000 in bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $20,000 in property damage coverage. These are minimum requirements. Drivers can choose to purchase higher policy limits as well as additional policies, such as collisions, comprehensive, underinsured motorist, and uninsured motorist coverage.
Unfortunately, not everyone obeys the law. Many drivers get behind the wheel without the requisite insurance coverage. When uninsured driver hits you, you need to speak with an experienced attorney about filing an uninsured motorist claim or suing an uninsured driver for damages. At Paul Padda Law, we have years of experience helping individuals pursue compensation following a crash in which the at-fault driver lacks insurance or has a policy limit lower than the damages.
Difference Between Uninsured and Underinsured Motorists
An uninsured driver is someone who lacks any type of auto insurance coverage. This is a driver who never purchased liability coverage or let their policy lapse. It doesn’t matter whether this lapse was intentional or accidental. If the driver failed to pay their premiums in time, the auto insurance company will cancel the policy.
An underinsured driver has some amount of auto insurance. They may have the minimum amount required by Nevada or the state in which they reside or have their vehicle registered. However, this amount of insurance is not enough to cover your damages. A driver is considered underinsured when you suffer physical, psychological, and financial damages beyond their policy limit. In this situation, you need to speak with an uninsured motorist lawyer about how to recover damages beyond the insurance coverage. This may require suing the underinsured motorist and holding them personally responsible for the remainder.
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What to Do if You Are in a Crash With an Uninsured Driver
Whenever you are in a car accident, your first priority should be your health and safety. Look yourself over for injuries. If you are in severe pain or are seriously injured, do not try to move. Let emergency responders arrive and help you. If you are not seriously injured, you may wish to get out of the car and get to safety. Always do your best to stay out of the way of traffic.
Once you are safe and able, call the police. In emergencies, you should dial 911 to ensure the police and emergency responders arrive as quickly as possible. By calling the police, you make sure there is an official report made of the accident. You also ensure there is a report that the other driver is without auto insurance.
While you are waiting for the police, write down what you can observe about the accident. Document the make, model, and color of the vehicle and the license plate number. If the other driver is responsive and cooperative, ask for their name and contact information. This is likely the point in which you will learn the other driver lacks insurance.
If any witnesses stopped to help, ask for their names, phone numbers, and addresses. Your uninsured motorist lawyer will likely contact them to obtain a statement regarding what they observed. Their testimony can be important in proving the uninsured driver caused the crash.
When an at-fault driver causes a crash, they may flee. Never follow another driver. Remain at the scene and wait to speak with the police. Do your best to write down information about the vehicle and what you can catch off the license plate.
Obtaining Compensation After an Accident With an Uninsured Driver
After you are injured or suffer property damage in a crash, you may expect to file a claim against their insurance policy to recover compensation. However, you cannot file a third-party claim against an uninsured driver’s policy because they do not have insurance. It can be confusing as to what you should do next. You may not be sure of your options, which is why it is important to talk with an uninsured motorist attorney.
There are typically two avenues toward covering your damages after an uninsured motorist crash:
- Filing a first-party claim against your own uninsured/underinsured motorist coverage, or
- Suing the uninsured or underinsured motorist.
In some situations, there may be a different relevant insurance policy. For instance, the driver may be uninsured but in another person’s car. The vehicle owner may have an insurance policy. Or, the driver may have been in a rental vehicle, in which case the rental car owner or company may have auto insurance. Our uninsured motorist lawyers will comb through the details of your crash to determine which, if any, insurance policies are available.
Do You Have Uninsured or Underinsured Motorist Coverage?
If you carry UM/UIM auto insurance, call our uninsured motorist lawyers for assistance with your first-party claim. You would like to trust that your insurer will help you and pay you the compensation you deserve. However, when you file a claim for uninsured motorist bodily injury or uninsured motorist property damage, you may be disappointed.
The types of damages your policy covers can differ. Many UM/UIM policies do not apply to property damage. This is an important distinction when your vehicle has suffered thousands of dollars in damage or has been totaled. Also, an uninsured or underinsured motorist claim for pain and suffering can be tough to pursue as well. Your insurer may try to use a predetermined formula to calculate your damages, which might not properly reflect your physical pain and emotional distress.
Auto insurers are always looking out for their own bottom line first. They may try to deny your claim or limit your recovery. By working with our attorneys at Paul Padda Law, you improve your chance of obtaining a fair resolution.
It is also important to work with an attorney when you have significant damages. You may run into the issue where your economic and non-economic damages exceed your insurance policy coverage. When you have UM/UIM coverage, your insurer should pay for the cost of the accident. However, it can be difficult to force them to compensate you above the limit. You will need an uninsured motorist lawyer to fight for your recovery.
Uninsured Coverage Can Help After a Hit and Run
If you were hurt in hit and run crash, or if your car suffered damages, do not hesitate to call us at Paul Padda Law. There is no other driver to deal with, so you can’t file a third-party insurance claim. Our attorneys can guide you through the process of recovering compensation for your injuries or damage.
Uninsured motorist coverage after a hit and run may help you. It depends on your exact policy. Some UM/UIM policies cover hit and run accidents, and others don’t. Other auto insurance policies may apply to hit-and-run accident as well, such as collision coverage. This type of policy may help you repair or replace your vehicle.
At Paul Padda Law, we’re more than your lawyers. We’re the allies you want to help set things right.
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Frequently Asked Questions About Uninsured Driver Accidents in Las Vegas
What happens if I get hit by an uninsured driver in Las Vegas?
If you are hit by a driver who does not have auto insurance, your primary path for financial recovery will usually be your own insurance policy. Specifically, you would file a claim under your Uninsured/Underinsured Motorist (UM/UIM) coverage, if you have it. If you do not have UM coverage, you may need to rely on your collision coverage for property damage and your health insurance for medical bills, or explore the possibility of suing the at-fault driver directly.
Is Uninsured Motorist (UM) coverage required in Nevada?
No, UM/UIM coverage is not legally required in Nevada. However, Nevada law requires auto insurance companies to offer this coverage to you when you purchase a policy. If you choose not to carry it, you must decline it in writing. Given the high number of uninsured drivers on Las Vegas roads, carrying UM/UIM coverage is strongly recommended to protect yourself.
Can I sue an uninsured driver directly for my medical bills and car damage?
Yes, you have the legal right to file a personal injury lawsuit against the at-fault driver, even if they lack insurance. However, drivers without insurance often do not have significant personal assets or income to pay a court judgment (meaning they are "judgment proof"). An experienced Uninsured Driver Accidents Lawyer in Las Vegas can perform an asset check to determine if suing the driver directly is a viable financial strategy for your case.
Will my insurance rates go up if I file an uninsured motorist claim?
Many drivers hesitate to file a claim with their own insurance company out of fear that their premiums will skyrocket. Fortunately, Nevada law generally prohibits insurance companies from raising your rates if you were not the at-fault party in the accident. Using the UM/UIM coverage you pay for is your right and is the exact reason you carry that protection.
What should I do if the uninsured driver flees the scene of the crash?
A hit-and-run is a criminal offense, and in the eyes of insurance companies, a fleeing driver is treated as an uninsured driver. If this happens, stay at the scene, call 911 immediately so the Las Vegas Metropolitan Police Department or Nevada State Police can take a report, and get contact info from any witnesses. Your UM/UIM bodily injury coverage and your collision coverage can typically be used to cover the damages from a hit-and-run.
How long do I have to file an uninsured motorist claim in Nevada?
In Nevada, the statute of limitations for filing a personal injury lawsuit is two years from the date of the accident. However, your own insurance policy likely has much stricter deadlines for reporting an accident—often requiring you to notify them within a few days or weeks. It is crucial to contact a lawyer as soon as possible to ensure you do not miss any critical deadlines that could void your coverage.
Why do I need a lawyer if I am filing a claim with my own insurance company?
Even though it is your own insurance company, their primary goal is still to save money and minimize payouts. They will often try to offer you a lowball settlement that does not fully cover your long-term medical care, lost wages, and pain and suffering. Hiring an Uninsured Driver Accidents Lawyer in Las Vegas at Paul Padda Law levels the playing field; we handle the aggressive negotiations and force your insurer to honor the true value of your policy.
Call Our Las Vegas Uninsured Motorist Lawyers for Help Today
Our attorneys at Paul Padda Law will help you pursue full and fair compensation after a hit and run or a crash with an uninsured or underinsured driver. We will guide you through filing a claim against your UM/UIM coverage or in filing a lawsuit against the negligent driver.
To talk with us about how we can help, call (702) 707-7000 or contact us via our online form. We offer free, no-risk consultations to ensure you can always obtain accurate legal information and informed advice.