Understanding Car Insurance in Nevada: A Guide from The Jacks Law Group

Posted by David Jacks | May 10, 2024

Understanding Car Insurance in Nevada: A Guide from The Jacks Law Group


Navigating car insurance in Las Vegas and Henderson can be complex. In Nevada, it's crucial to understand your car insurance options not just for legal compliance but also to protect yourself financially in the event of an accident. The Jacks Law Group is here to help guide you through the intricacies of car insurance in our state.

Types of Car Insurance Coverage in Nevada

As a motorist in Nevada, you are required by law to carry certain types of insurance coverage. Here's a breakdown of what you need to know:

  1. Liability Insurance: This mandatory insurance covers damages to others caused by the policyholder in an accident. Nevada requires minimum coverage of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage.

  2. Collision Coverage: Although optional, this coverage pays for damage to your vehicle in an accident, regardless of who is at fault.

  3. Comprehensive Coverage: Covers damage to your vehicle from events such as theft, fire, and natural disasters. It's optional but recommended for comprehensive protection.

  4. Uninsured/Underinsured Motorist Coverage: This protects you if you're involved in an accident with a driver who lacks adequate insurance.

  5. Medical Payments Coverage: This coverage assists with medical expenses related to an accident, regardless of fault.

  6. Gap Insurance: Essential for financed or leased vehicles, this covers the difference between the insurance payout and what you owe if your vehicle is totaled.

Why You Should Not Handle Insurance Claims on Your Own

Dealing directly with insurance adjusters or attempting to settle claims on your own can be detrimental for several reasons:

  1. Risk of Underestimation: Insurance adjusters are trained to minimize the payouts for claims. Without detailed legal knowledge, you might not know the full value of your claim and could settle for less than you deserve.

  2. Legal Complexities: Car insurance claims can involve complex legal issues that require professional interpretation and strategy. Missing or misinterpreting one aspect could significantly affect the outcome of your claim.

  3. Admissions of Fault: During negotiations, anything you say can be used to imply fault or liability. This can adversely impact the compensation you receive.

  4. Finality of Settlements: Once a settlement is agreed upon, it is usually final. Without proper legal advice, you might accept a settlement that doesn't cover all future costs related to the accident, such as ongoing medical expenses.


Understanding your car insurance and knowing how to handle an accident in Las Vegas or Henderson is essential. At The Jacks Law Group, we recommend seeking professional legal guidance before interacting with insurance adjusters or attempting to settle claims. Our experienced team is ready to ensure that your rights are protected and that you receive the full compensation you are entitled to.

Disclaimer: This article is for informational purposes only and does not constitute legal advice. For personal legal advice, please contact The Jacks Law Group, PLLC at 702-834-6300.

About the Author

David Jacks

David Jacks has over a decade of legal experience and he is a lifetime resident of Las Vegas and a veteran of the United States Army. After the completion of his service in the military, Jacks began working as a construction superintendent in Las Vegas during a major period of growth for the city.

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