02/10/2026
Ever think about what happens if someone with barely enough (or not enough) insurance hits YOU?
In Nevada, the minimum liability coverage is $25K per person/ $50K per accident for bodily injury and $20K for property damage. Sounds okay... until a serious crash happens.
Medical bills, lost wages, car repairs, and pain/suffering can add up FAST-easily tens or hundreds of thousands of dollars. If the at-fault driver only has the bare minimum (or worse, is uninsured/underinsured), their policy might cover just a fraction of your losses. Then what?
You could be stuck paying out-of-pocket for the rest. Suing them personally often doesn't help much if they lack assets or income to collect from.
Without the right protection on YOUR policy, you're left holding the bag-even though it wasn't your fault.
That's where Uninsured/Underinsured Motorist (UM/UIM) coverage comes in. It steps up to help cover your medical bills, lost income, and more when the other driver's insurance falls short.
Don't leave your family's financial security to chance. Many people skip or minimize this coverage to save a few bucks on premiums... but it can make all the difference in a real accident.
