Uninsured motorist/ Underinsured motorist and medical payment coverage
Uninsured/Underinsured Motorist Coverage FAQ – Nevada Auto Insurance | Liberty Choice Insurance
At Liberty Choice Insurance, we’re committed to helping Nevada drivers protect themselves with comprehensive auto insurance. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are critical options for safeguarding your finances. Below, we answer common questions about UM/UIM coverage in Nevada to help you make informed decisions. Contact us for a free quote today!
1. What Is Uninsured Motorist (UM) Coverage in Nevada?
Uninsured Motorist (UM) coverage protects you and your passengers if you’re in an accident caused by a driver without auto insurance. In Nevada, UM coverage can cover medical bills, lost wages, and pain and suffering. It also applies to hit-and-run accidents where the at-fault driver is unidentified. At Liberty Choice Insurance, we offer customizable UM policies to fit your needs.
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2. What Is Underinsured Motorist (UIM) Coverage?
Underinsured Motorist (UIM) coverage kicks in when the at-fault driver’s insurance doesn’t cover all your damages. In Nevada, UM and UIM are bundled together, so purchasing UM coverage includes UIM protection. This ensures you’re covered for medical expenses or other losses if the other driver’s policy limits are too low. Learn more about our auto insurance options.
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3. Is UM/UIM Coverage Mandatory in Nevada?
No, UM/UIM coverage is not required in Nevada, but insurers must offer it at minimum liability limits ($25,000 per person/$50,000 per accident for bodily injury, $20,000 for property damage). You can decline UM/UIM coverage by signing a written rejection, but Liberty Choice Insurance recommends keeping it to protect against uninsured drivers. Get a personalized quote to see how affordable it can be.
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4. Why Do I Need UM/UIM Coverage in Nevada?
With about 10-12% of Nevada drivers uninsured and many carrying only minimum liability coverage, UM/UIM coverage is essential. It protects you from out-of-pocket costs if you’re hit by an uninsured or underinsured driver. Without it, you may face significant medical bills or need to pursue costly legal action. Trust Liberty Choice Insurance to keep you covered. Visit our blog for more Nevada insurance tips.
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5. What Types of UM/UIM Coverage Are Available?
Nevada offers:
- Uninsured Motorist Bodily Injury (UMBI): Covers medical expenses, lost wages, and pain and suffering for you and your passengers.
- Uninsured Motorist Property Damage (UMPD): Covers vehicle or property damage caused by an uninsured driver (availability varies).
Our agents at Liberty Choice Insurance can tailor UM/UIM coverage to your budget. Contact us to explore your options.
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6. How Does UM/UIM Coverage Work in a Nevada Accident?
If an uninsured or underinsured driver causes an accident, you file a claim with Liberty Choice Insurance under your UM/UIM policy. For example, if your damages are $40,000 but the at-fault driver’s insurance only pays $25,000, your UIM coverage can cover the remaining $15,000 (up to your policy limit). Promptly notify us and provide evidence of fault to streamline your claim.
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7. Does UM/UIM Coverage Apply If I’m at Fault?
No, UM/UIM coverage only applies when the other driver is at fault. It’s designed to protect you from losses caused by drivers with inadequate or no insurance. For accidents where you’re at fault, consider our collision coverage and medical payment options.
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8. Can UM/UIM Coverage Protect Me as a Passenger or Pedestrian?
Yes, UM/UIM coverage follows you, not just your vehicle. It can protect you as a passenger in another car or as a pedestrian hit by an uninsured/underinsured driver. Review your policy with our Liberty Choice Insurance team to confirm coverage details.
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9. What Are Nevada’s Minimum UM/UIM Coverage Limits?
The minimum UM/UIM coverage offered in Nevada matches the state’s liability limits: $25,000 per person/$50,000 per accident for bodily injury and $20,000 for property damage (25/50/20). We recommend higher limits for better protection. Request a free quote to customize your coverage.
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10. How Much Does UM/UIM Coverage Cost in Nevada?
UM/UIM coverage is typically affordable, with costs depending on your driving record, vehicle, and coverage limits. Bundling UM/UIM with other policies, like liability or comprehensive, can save you money. Contact Liberty Choice Insurance for a no-obligation quote to find the best rate.
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11. Can I Stack UM/UIM Coverage in Nevada?
Nevada law doesn’t prohibit stacking UM/UIM coverage across multiple vehicles or policies, which can increase your compensation. However, some policies include anti-stacking clauses. Our agents can review your policy to clarify stacking options. Schedule a consultation today.
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12. What Should I Do If Hit by an Uninsured/Underinsured Driver in Nevada?
- Report the Accident: Notify the police and your specific insurance carrier immediately.
- Gather Evidence: Collect the other driver’s details, witness statements, and photos.
- File a Claim: Submit a UM/UIM claim with us, providing proof of fault and damages.
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13. How Can I Add UM/UIM Coverage to My Policy?
At Liberty Choice Insurance, our licensed Nevada agents make it easy to add UM/UIM coverage or adjust your limits. Protect yourself from uninsured drivers today. Call us at [insert phone number], email [insert email], or get a free online quote now!
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Why Choose Liberty Choice Insurance for Nevada Auto Insurance?
As a trusted Nevada insurance agency, Liberty Choice Insurance offers personalized UM/UIM coverage to protect you from uninsured and underinsured drivers. With competitive rates and expert guidance, we’re here to safeguard your peace of mind. For more information on Nevada’s auto insurance laws, visit the Nevada Division of Insurance.
Ready to Get Covered? Contact Liberty Choice Insurance or request a free quote today!