In Nevada, having the right insurance coverage is critical for protecting yourself and your loved ones in the event of an accident. While the state requires drivers to carry minimum liability insurance, it may not be enough to cover all expenses in the event of an accident. This is where underinsured and uninsured motorist coverage (UIM) comes into play.

UIM coverage is a type of insurance that provides protection in case the other driver involved in an accident doesn’t have sufficient insurance coverage to pay for damages or injuries. This means that if you’re involved in an accident with an uninsured or underinsured driver, you’ll be able to claim compensation from your own insurance policy.
 

Is UIM Coverage Mandatory?

In Nevada, UIM coverage is not mandatory, but it is highly recommended. It can be purchased as part of your auto insurance policy and can provide valuable protection in the event of an accident.
 

What Are The Benefits of Having UIM Coverage

One of the benefits of having UIM coverage is that it can provide you with financial protection in case you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage. This means that you’ll be able to claim compensation from your own insurance policy for damages and injuries, rather than having to pay for them out of your own pocket.

Another benefit of UIM coverage is that it can provide you with additional compensation if the other driver’s insurance policy is not enough to cover all of your expenses. This can include medical bills, lost wages, and even pain and suffering. In some cases, UIM coverage may also provide compensation for property damage.

Overall, having UIM coverage in Nevada can provide valuable protection in the event of an accident. It can provide you with financial security and peace of mind, knowing that you’ll be able to claim compensation from your own insurance policy in case the other driver doesn’t have enough insurance coverage.

If you’re considering purchasing UIM coverage, it’s important to talk to your insurance agent about your options and the level of coverage that’s right for you. With the right insurance coverage, you can protect yourself and your loved ones and ensure that you’re prepared for any unexpected events on the road.