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 steps in when the at-fault driver has no liability insurance or can't be identified after a hit-and-run. It pays your medical expenses, lost wages, and vehicle repair costs up to your policy limits. In Nevada, UM coverage mirrors your liability limits unless you reject it in writing.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended drivers pursuing reinstatement should carry UM coverage if they drive on a hardship or restricted license, because you face the same uninsured-driver risk as any other motorist but with fewer financial resources to absorb a major collision. If you're required to maintain SR-22 insurance during suspension even without driving, UM coverage adds minimal cost to a non-owner policy and protects you if you're a passenger in someone else's vehicle when an uninsured driver causes a crash.
Carry UM coverage if you're driving during suspension on a hardship license, if you lack collision coverage, or if one uninsured-driver collision would financially derail your reinstatement process. Reject UM coverage only if you're not driving at all, carry full collision and comprehensive with low deductibles, and have health insurance plus liquid savings to cover a total vehicle loss and medical bills without filing a claim.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your liability coverage limits — UM coverage defaults to match your liability limits in Nevada, so higher liability limits increase UM premiums proportionally.
- Your zip code's uninsured motorist rate — areas with higher percentages of uninsured drivers (Las Vegas metro, rural Nevada counties) see higher UM premiums due to increased claim frequency.
- Your claims history — prior UM claims or at-fault accidents raise your base rate because carriers view you as higher risk for future payouts.
- Whether you carry collision coverage — some carriers offer lower UM property damage rates if you already carry collision, since collision covers the same vehicle damage in different fault scenarios.
- Your suspension type and SR-22 requirement — suspended drivers with SR-22 filings face higher UM premiums because the SR-22 signals higher overall risk to the carrier, even though UM coverage protects you rather than others.
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