Hit by an Uninsured Driver in Las Vegas? Call a Lawyer Now
If you were injured in a crash and the at-fault driver has no insurance, don’t panic — but don’t wait. Nevada drivers are legally required to carry auto insurance, yet thousands still drive uninsured every day in Las Vegas. These cases are complex, but not hopeless.
We connect you with local attorneys who know how to recover compensation — even when the other driver can’t (or won’t) pay.
(Available 9:00am - 9:00pm) Monday - Friday
Hit by an Uninsured Driver in Las Vegas? Call a Lawyer Now
If you were injured in a crash and the at-fault driver has no insurance, don’t panic — but don’t wait. Nevada drivers are legally required to carry auto insurance, yet thousands still drive uninsured every day in Las Vegas. These cases are complex, but not hopeless.
We connect you with local attorneys who know how to recover compensation — even when the other driver can’t (or won’t) pay.
(Available 9:00am - 9:00pm)
Monday - Friday
What Happens If the Other Driver Has No Insurance?
If you’re hit by an uninsured or underinsured motorist (UM/UIM), you won’t automatically receive compensation from the other driver. However, you may still have options:
File a claim through your uninsured motorist coverage (UM)
Use underinsured motorist coverage (UIM) if their policy isn’t enough
Pursue a personal lawsuit against the at-fault driver
Tap into medical payments (MedPay) or personal injury protection (PIP) if you have it
Explore third-party liability if another party contributed to the crash (e.g., rideshare, employer, vehicle defect)
These claims are time-sensitive, documentation-heavy, and emotionally draining — a Las Vegas lawyer makes sure nothing gets missed.
Nevada Law and Uninsured Driver Crashes
Nevada requires all drivers to carry minimum liability coverage, but many ignore the law. When that happens:
If the at-fault driver has no insurance, you may file a UM claim with your own provider
If they have low coverage, a UIM claim can bridge the gap
Punitive damages may apply in hit-and-run or willful negligence cases
NRS 687B.145 governs how insurers must honor UM/UIM claims. But don’t expect them to offer full value — you’ll likely need a lawyer to fight for it.
Common Uninsured/Underinsured Crash Scenarios
We help Las Vegas crash victims in situations like:
Rear-end collision caused by uninsured driver on Tropicana or Sahara
Hit by an underinsured rideshare driver
Driver fled the scene (hit-and-run and unidentifiable)
Collision with an out-of-state driver lacking valid Nevada coverage
Pedestrian or cyclist hit by a driver with lapsed insurance
DUI accident where the drunk driver has no policy
Don’t assume you’re out of options — speak with a lawyer who knows how to get around insurance loopholes.
How a Las Vegas Uninsured Driver Lawyer Can Help
Review your current insurance for UM/UIM availability
File your claim and deal with your insurance adjuster
Build a liability case against the uninsured driver
Seek compensation from all applicable sources
Handle communications so you don’t get trapped by insurance games
Even your own insurer is not on your side — their job is to protect their profits. A lawyer makes sure your rights are enforced and your recovery is maximized.
Understanding Nevada Law for Uninsured and Underinsured Motorist Claims
When you're injured in a crash and the at-fault driver doesn’t carry sufficient (or any) insurance, your claim becomes more complicated — but Nevada law provides specific protections to help injured parties recover.
Minimum Insurance Requirements in Nevada
Under NRS 485.185, all Nevada drivers must carry minimum liability coverage of:
$25,000 for bodily injury or death per person
$50,000 for bodily injury or death per accident
$20,000 for property damage
Despite this, Nevada ranks among the top states for uninsured drivers — meaning thousands of motorists on the road are violating this statute every day.
Uninsured and Underinsured Motorist Coverage (UM/UIM)
Nevada doesn’t require drivers to carry UM/UIM coverage — but insurers must offer it, and drivers must decline it in writing if they choose not to include it.
According to NRS 690B.020 and NRS 687B.145, if you do carry UM/UIM:
It must match your liability policy limits unless you select a lower amount
It applies when the at-fault driver has no insurance or not enough to cover your damages
It may also apply in hit-and-run scenarios or when the driver is unidentified
If your insurer fails to honor your valid UM/UIM claim, you may be entitled to damages for bad faith under Nevada civil law.
Filing and Proving a UM/UIM Claim
A successful UM/UIM claim requires:
Proof the other driver caused the accident
Evidence they had no insurance or insufficient coverage
Documentation of your injuries and losses (medical bills, wage loss, etc.)
Full compliance with your policy’s reporting requirements and timelines
Failure to properly notify your insurance provider — or filing after the deadline — could result in a denied claim. Nevada generally allows
2 years from the accident date to pursue a claim, but insurance policies may contain stricter deadlines.
Can I Sue an Uninsured Driver Directly?
Yes, you can file a civil lawsuit — but it may not result in actual compensation. Many uninsured drivers have limited assets, and even if you win a judgment, collecting may be difficult.
That’s why most Nevada attorneys recommend exhausting all insurance options first, including:
Your own UM/UIM coverage
Medical payments (MedPay) or PIP
Potential third-party liability (vehicle owner, employer, etc.)
Why Legal Guidance Is Critical
Uninsured and underinsured claims are some of the most legally nuanced car accident cases in Nevada. A lawyer ensures:
You don’t miss deadlines or policy requirements
Your insurance company treats your claim fairly
You understand all of your legal options under Nevada law
Even your own insurance company may push back — especially on UM/UIM claims involving long-term injury, pain and suffering, or wage loss. That’s why experienced legal representation is key to getting full compensation.
Uninsured Driver Accident FAQ
Can I still get compensation if the driver had no insurance?
Yes — if you have uninsured motorist coverage or if other responsible parties can be identified. A lawyer can help find every path to recovery.
Do I need to sue the other driver?
Not always. In many cases, your own UM/UIM coverage can resolve the claim — but a lawyer can advise when litigation makes sense.
What if the driver fled the scene?
That’s treated as a hit-and-run. You may still qualify for UM coverage, even if the driver is never found.
Can I use health insurance or MedPay in the meantime?
Yes. MedPay and health insurance can cover your immediate costs while your legal claim is pending. A lawyer can coordinate these benefits for you.
How much does it cost to speak with a lawyer?
It’s free. We’ll connect you with a Las Vegas car accident lawyer for a no-obligation consultation.
Call Now to Speak With a Las Vegas Uninsured Driver Lawyer
Injured by an uninsured or underinsured driver? Don’t try to navigate the system alone. Our team connects you with local legal professionals who know exactly what to do next.
Confidential.
No obligation.
Available 9:00am - 9:00pm.
Disclaimer: This is not a law firm. By calling, you agree to be contacted by Las Vegas Car Accident Law Firm and/or its legal partners. You are not required to hire any attorney.