Understand your legal rights after a serious auto accident
Regardless of what caused your accident, it’s your lawyer’s job to prove that another party’s negligence led to your accident. The Las Vegas car accident attorneys at Richard Harris Law Firm have experience handling a variety of vehicle accident cases, and we want to work with you, too
What caused your accident?
Distracted Driving
Any activity that causes drivers to take their eyes off the road, their hands off the wheel, or their minds off what they’re doing
Driving Under the Influence
In the state of Nevada, it is illegal to have a blood alcohol concentration (BAC) greater than: 0.02 percent for drivers under the age of 21, 0.04 percent for commercial license holders and 0.08 percent for all other drivers.
Product Liability
When a manufacturer or distributer of a car part or vehicle is responsible because a product malfunctioned and caused your accident
Driving Conditions
Unsafe roads caused by poorly maintained highways or severe weather, which result in driver error
Filing a Claim
Obtain a copy of the police report if you plan to pursue damages for the accident.
Collect contact information for the other driver(s) or any witnesses—you may have collected this information at the accident, or it can be found on the police report.
Make initial contact with your insurance company to notify it that you were involved in an accident.
Seek legal representation to protect your rights to compensation.
As your lawyer, we’ll contact your insurance company and the other driver’s insurance company. We know what evidence to collect, what questions to ask, and how to deal with the insurance company so you don’t have to.
Auto Insurance Coverage
Auto insurance is supposed to protect you in the event of an accident by covering the costs—or some of the costs—associated with your medical care, car repairs, and liability to other motorists or passengers.
Bodily Injury Liability Insurance
Covers the cost of medical expenses for bodily injuries to passengers in your vehicle or other vehicles if you cause an accident
Uninsured/Underinsured Motorist Bodily Injury Insurance
Pays for your medical expenses for bodily injury if the person who caused your accident has no insurance (uninsured) or not enough insurance (underinsured) to cover the cost of your care
Property Damage Liability Insurance
Provides payment for damages—repairs or replacement—to another person’s car or property, such as a fence or telephone pole, if you cause an accident
Nevada Minimum Requirements
Bodily Injury/Death Liability of one person: $15,000
Bodily Injury/Death Liability of two persons: $30,000
Property Damage: $10,000
Property Damage Claims
When you are injured in a car accident, your personal injury claim is handled separately from your vehicle damage claim—or property damage claim. While personal injury claims can often take months to settle, typically, property damage claims can be settled quickly and without the assistance of an attorney.
Property Damage Checklist
Contact your insurance company to report your accident.
Check for personal items if a tow truck takes your car.
Decide if you want to use your own insurance to cover the damages.
Contact the other driver’s insurance company. Take note of who you talk to and the claim number.
Have your car’s damage appraised by a body shop.
If your car is totaled, determine its actual cash value.
Request a rental car from the insurance company if your car cannot be driven.
If you have trouble dealing with the insurance company, or don’t feel that you’re being treated fairly, our auto injury attorneys are happy to help you find a lawyer who can help you settle your property damage claim.
Insurance Dos and Don’ts
What you should do
- Do call Richard Harris Law Firm at (702) 444-4444 or fill out a free initial consultation form. Our Las Vegas auto accident attorneys can advise you on how to deal with the insurance company.
- Do call your insurance company and let them know you were involved in a car accident. Take notes on who you talked to and when.
- Do read your policy. Take time to read your insurance policy so you know how you are covered. If you have questions, we’re here to help you understand your policy.
- Do collect information. Gather the insurance company information for the person who was involved in your accident, as well as his or her personal contact information.
- Do save any receipts or records that may apply to your insurance claim. Without this documentation, you may not get the full amount of compensation you’re owed.
What you should not do
- Don’t make a statement to the other party’s insurance company. Your words can be used against you later. Talk to us first.
- Don’t give the insurance company any written information about your accident—whether it’s your company or the other party’s involved.
- Don’t wait. It’s important to file your claim or lawsuit as soon as possible after the accident. If you wait too long, you may lose rights to the compensation you deserve.
- Don’t sign anything. Never sign a release, waiver, or any kind of document without consulting your Nevada auto accident lawyer first. You may be signing away your rights.
- Don’t take money. If the insurance company offers you money, it may be less than you deserve.
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Source: http://docphy.com/business-industry/personal-finance/insurance/ultimate-guide-car-accidents-nevada.html
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