Uninsured Motorist Coverage — Nevada
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage to pay your claim.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays for your medical bills, lost wages, and vehicle damage when you're hit by a driver with no insurance. Underinsured motorist coverage (UIM) kicks in when the at-fault driver has insurance, but their liability limits are too low to cover your full claim. Both coverages are filed through your own carrier, not the other driver's—you're using your policy to fill the gap their policy leaves. Nevada law allows you to reject UM/UIM in writing, but most carriers offer it as a default add-on unless you explicitly decline.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
You should carry UM/UIM if you drive frequently in areas with high uninsured driver rates, if you can't afford to cover a major medical bill or vehicle repair out-of-pocket, or if you're carrying liability-only coverage and want protection for your own injuries without paying for full collision and comprehensive. It's especially critical if you're financing a vehicle—your lender requires collision and comprehensive, but UM/UIM is the only coverage that pays your medical costs when the other driver has no insurance.
Compare your UM/UIM annual premium to your health insurance deductible and out-of-pocket maximum. If your health coverage is strong and you carry collision, UM/UIM becomes optional—but remember that health insurance doesn't cover lost wages or pain-and-suffering claims the way UM/UIM does.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM policy limits—higher limits mean higher premiums, and most carriers offer UM/UIM limits that mirror your liability limits.
- Your ZIP code and county—areas with higher uninsured driver rates or more frequent hit-and-run claims see steeper UM/UIM premiums.
- Your claims history—prior UM/UIM claims can raise your rate even though you weren't at fault, because the claim still costs your carrier money.
- Your carrier's loss ratio in Nevada—insurers with higher uninsured-driver claim payouts in the state price UM/UIM more aggressively to offset risk.
