If you’ve been in a car accident in Nevada that was caused by another driver, you may need to file an auto insurance claim to cover the damage and expenses.
This guide will explain everything you need to know about making an auto insurance claim after an accident with another driver in Nevada. Filing an insurance claim can be confusing, but understanding the basics will ensure you get the coverage and compensation you deserve.
We’ll outline the step-by-step process for filing a third-party claim in Nevada, provide tips for getting the most out of your auto policy, and answer some frequently asked questions.
Do You Need to File an Insurance Claim After a Car Accident in Nevada?
The first question many people have after an accident is – do I need to file an insurance claim? The short answer is: probably.
You must file a claim in Nevada if the accident caused over $750 worth of damage or injuries. Accidents almost always meet this threshold, so you’ll likely need to start the claims process.
Here are some common situations when filing an insurance claim is necessary:
- The other driver was at fault, and you suffered vehicle damage, injuries lost wages from missed work, etc. You’ll file a third-party liability claim with the at-fault driver’s insurance company.
- You collided with an object like a tree or pole. You’ll file a collision coverage claim with your own insurer.
- Your car was damaged by things like hail, floods, or fire. This falls under comprehensive coverage with your auto insurance provider.
Basically, if the accident resulted in any type of property damage or bodily injury, you should file an insurance claim. Nevada law requires you to report accidents over $750 to your insurance company.
Process of Filing an Auto Insurance Claim Against the At-fault Driver
If the other motorist caused the accident, they are liable for your damages. This means you’ll file a third-party insurance claim with their provider.
Step 1: Report the Accident
The first thing you should do is call the police to report the incident and file an official report. Be sure to gather the other driver’s name, phone number, insurance details, and driver’s license plate. You’ll need this information when starting your claim.
If there were any witnesses, get their contact information too. Their testimony could help prove fault later on.
Step 2: Contact A Personal Injury Lawyer
After everyone is safe and sound. Your next call should be to an experienced Las Vegas personal injury lawyer. Call your lawyer BEFORE talking to your insurance company. They will instruct you through the process and ensure your rights are protected.
Step 3: File the Claim
To open your claim, contact the liable driver’s insurance company directly. You can submit the claim online, over the phone, or through a local agent.
Provide a formal statement detailing exactly how the incident occurred and why the other motorist is at fault. Send copies of the police report, photos of vehicle damage, medical bills, and any other accident-related expenses.
Step 4: Settle the Claim
The insurance company will then investigate your claim to confirm the fault and the value of your damages. This may involve inspecting vehicles, interviewing witnesses, or requesting medical records.
Once liability is determined, the provider will offer a claims settlement. Negotiate politely if the offer seems unfair. It is STRONGLY recommended that you work with an experienced car accident lawyer to guide you through this process. You only pay legal fees if they help win your case (ultimately maximizing your settlement)
What Damages Can You Claim?
If filing a claim against the other driver in Nevada, there are a few main categories of damages you may be entitled to compensation for:
- Property damage – This includes damage to your vehicle or other personal property. Keep auto repair estimates and receipts.
- Medical expenses – Any costs related to medical treatment needed because of accident injuries should be claimed.
- Lost wages – Keep pay stubs and a doctor’s note if you missed work due to the accident.
- Pain and suffering – You may be able to claim compensation for emotional trauma related to the accident.
What if the Other Driver Was Uninsured or Underinsured?
Unfortunately, around 10% of Nevada motorists drive without mandatory liability insurance. If one of those uninsured motorists hits your vehicle, you would need to file a claim under your own policy’s uninsured motorist protection. Then, your insurance carrier pursues reimbursement from the driver directly.
Contact a Personal Injury Attorney About Your Accident Claim
If you were seriously injured or incurred major vehicle damage, it is wise to consult a personal injury lawyer before agreeing to any settlement offer.
An attorney at Benjamin Durham Law Firm can evaluate your case and protect your rights during the insurance claims process after an auto accident in Nevada.
Contact them today to discuss your options after an auto accident in Nevada caused by another driver.
