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Jones Wilson, LLP
Call: 702-405-6000
Toll Free: 866-299-0558

Do You Really Have Adequate Car Insurance Coverage?

Justin L. Wilson
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Dedicated to helping injury victims in the Henderson and Las Vegas area receive the settlement they deserve.
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Why Don't Henderson & Las Vegas Drivers Ensure They Have The Correct Auto Insurance Before A Car Accident?

Most people spend days, even weeks, researching and looking at new cars, yet, they only spend 20 to 30 minutes selecting their auto insurance. Why? The reason is simple.  Most people don't truly understand what their auto insurance actually covers, so they tend to simply look at how much they are paying per month. 

Do You Have Enough Car Insurance Coverage?

To an auto insurer you are a set of “risk factors”.  These factors include:

  • Whether you have ever been in a car accident 
  • Your age 
  • Whether you are a man or a woman
  • Where do you live (Note: Living in the Las Vegas valley automatically increases your rates) 
  • Whether you are married or single
  • What kind of car are you driving (Note: Sports cars are more expensive)
  • When was your last ticket? 
 

Each of these items are a risk factor that the auto insurance company evaluates to come up with  your monthly rate. Research insurance companies. What kind of customer service to they reportedly provide? Are you going through an agent, or buying straight from their website?  Evaluate what is important to you when it comes to what kind of insurance company you want covering you. Many people are so worried about how much they will pay per month, that they never appreciate what they are actually paying for.

What Is Uninsured And Underinsured Motorist Coverage?

One critical option every driver should purchase is Uninsured/Underinsured Motorist coverage, or UM/UIM. Never sign a UM/UIM waiver. Uninsured motorist coverage or UM, protects you if get hit in a car accident that was caused by another driver, and that driver has NO insurance at all on their vehicle. While it may violate the law to drive uninsured, drivers’ do it, so protect yourself from such reckless drivers by paying for UM coverage that will cover lost wages, medical expenses, and other expenses connected to injuries, just in case  you happen to get hit by an uninsured driver. 

Underinsured Motorist coverage or UIM, protects you if you are injured by a careless driver who has only minimal insurance to cover the damage they caused you. If you are involved in a motor vehicle accident with another driver, and they carry the state’s minimal insurance coverage amount, their insurance coverage may not be enough to even cover your hospital bill. UIM coverage steps in to help make up the difference when you get injured by such a driver, so that you are not left with medical bills and injuries that you cannot pay for simply because the other driver did not carry enough insurance. 

 

What Is Medical Payment Coverage?

Another critical insurance option is Medical Payments Coverage or Med Pay. Do not sign a Medical Payments coverage waiver. Med pay is designed to help you pay medical expenses after a car accident. It can help you breathe easy to know that you do not have to say no to the Emergency Room, or even an ambulance if you need one, because your Medical Payments coverage can pay those bills. Or in turn, can be used to help you recover money you may have spent on Health Insurance co-payments and deductibles.  When you are involved in an auto accident, you do not want to have to immediately worry about who, or how, you are going to pay for medical care. When insured properly, you can take care of those concerns and properly evaluate your next step in the claims process, rather than feel rushed and pressured into anything out of fear of medical bill debts. 

We have seen innocent accident victims accept unreasonable sums of money, offered by insurance companies looking to close the case through a quick settlement, before they can get the advice of an accident attorney. In each instance, the victim was so afraid of their hospital bill, or ambulance bill, that they acted against their best interest and just accepted the money quick settlement knowing that the money would at least pay for their ER visit. They only find out later that though these quick settlements do not actually cover their injuries, and they don’t cover the true extent of the damage that the accident caused. But the fear of “how am I going to be able to pay for this,” can often cause innocent victims to act against their best interest.  It is only after they have accepted the money that they then come to us looking to “re-open” their case, which is usually almost impossible to do. 

Protect yourself, and your family. Take the time to adequately research and select your auto insurance carrier, and never waive UM/UIM coverage, nor Medical Payments coverage. Get as much coverage as you can afford, knowing that when you need the coverage it will be one of the greatest decisions you ever made. Then, if you ever do get into a car accident, you know you are protected no matter what kind of insurance the other driver has. Then you can rest easy as you seek out an attorney experienced in car accident cases to assist you in evaluating your claim, and can help you get the full measure of damages that you are entitled to.

If you or a loved one has been injured in a Henderson or Las Vegas area car accident you really need to speak with an experienced personal injury lawyer as soon as possible. Please contact me online or call our office directly at 702.405.6000 to schedule your free, no-obligation consutlation. Keep in mind, we work on a contingency basis which means there's never any legal fee unless we settle your car accident case. You really have nothing to lose and everything to can by contacting us.

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