If you drive a vehicle, you know that you need to have insurance or suffer a heavy fine if you are caught. Every state, including Nevada, requires drivers to carry at least liability insurance. What happens if you are in an accident and the other person doesn’t have insurance or is not adequately covered to pay for your medical expenses? To avoid this possibility, states Allstate, you may want to look into uninsured or underinsured motorist coverage. At the Aldrich Law Firm, Ltd., we deal with insurance companies every day and we understand the importance of having enough coverage.

What is uninsured and underinsured coverage? First, you will need to know what basic liability insurance covers. Liability is meant to pay for the medical costs of those injured in an accident, by the responsible party. It is common knowledge that medical care is expensive these days – therefore, the minimum required liability coverage might not pay for all of your medical care, and you would be responsible for the rest. In this case, uninsured and underinsured coverage can pick up what’s left over. Depending on the type of policy you choose, your coverage can range between $20,000 and $1 million.

This type of insurance coverage is also beneficial if the other party has no car insurance. It’s estimated that one out of every seven drivers in the country are driving without insurance.

When deciding on the right type of uninsured and underinsured policy for you, it can help to consider such factors as what your own medical insurance will cover and whether you would be able to obtain disability through your employer.

A personal injury case when the other party has no insurance can greatly affect you and your family. For more information, visit our page on insurance litigation.