Uninsured Motorist Coverage — Nevada
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage protects you when another driver causes a crash but has no insurance to pay for your injuries or vehicle damage. It covers medical bills, lost wages, vehicle repairs, and sometimes pain and suffering up to your policy limits. You file the claim with your own carrier, who pays you directly and then pursues the at-fault driver for reimbursement. This coverage functions as a safety net when the other driver cannot meet their legal obligation to compensate you.
Who Needs Uninsured Motorist Coverage Insurance?
Non-owner SR-22 policies include UM coverage automatically in most cases, covering you as a passenger or pedestrian hit by an uninsured driver.
Match your UM limits to your liability limits. The cost difference between minimum and higher UM limits is small, and an uninsured driver hitting you creates the same financial exposure as you hitting someone else. If you are filing SR-22 and rebuilding after suspension, prioritize UM over collision because the uninsured driver risk in Nevada is statistically higher than your own at-fault accident risk.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Whether you add Underinsured Motorist Coverage alongside it — most carriers bundle UM and UIM together at a combined price.
- Your ZIP code's uninsured driver rate — areas with higher uninsured rates see slightly higher UM premiums because claim frequency is higher.
- Your driving record and violation history — carriers price UM coverage based on your overall risk profile, not just other drivers' behavior.
- Whether you carry collision coverage — if you already have collision, UM property damage becomes redundant for vehicle repairs and costs drop.
- Your SR-22 filing status — SR-22 drivers often see bundled pricing that includes UM as a standard component of reinstated policies.
