Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured Motorist Coverage is typically referred to as UM/UIM, but what does it cover and should you have it? UM/UIM coverage is optional automobile insurance that covers you when the at-fault driver has no insurance, or more commonly, not enough insurance. And to answer the question of should you have it, the answer is a resounding yes!!!
Minimum Liability Coverage In Nevada
The minimum liability coverage by law for a driver in Nevada is $15,000 per person/$30,000 per accident. Conceivably, a driver that hit you can be in full compliance with the law, but only have $15,000 of insurance. But what if your injuries exceed the $15,000 limit? That is when you’re UM/UIM coverage kicks in, if you have it. With UM/UIM coverage, you are effectively insuring yourself against the other driver who has no insurance, or not enough insurance.