Car insurance terminology can seem like a foreign language, with an overwhelming number of options. Which types of coverage do you really need? And how will they help you if you’re in an accident?

In this article, we’ll help you “speak insurance” by familiarizing you with important types of car insurance that will protect you in an accident.

Bodily Injury Liability Coverage

Bodily injury liability is a key component of your auto insurance, especially if you’re the one at fault in an accident. This coverage helps pay for the medical bills, lost wages, and other expenses of the person you injure in the accident.

For example, if you accidentally run a red light and cause an accident, your bodily injury liability would cover the other driver’s hospital bills. However, it doesn’t cover your own injuries, so you’ll need other types of coverage for that.

Personal Injury Protection (PIP) Coverage

Personal Injury Protection (PIP) is often referred to as “no-fault” insurance because it helps cover your medical bills and other expenses, regardless of who caused the accident. This coverage is especially helpful when you need immediate financial assistance for treatment following a crash.

While Nevada doesn’t mandate PIP coverage, it’s still a good option for drivers who want added protection. For example, if you’re involved in an accident on the busy Las Vegas Strip and sustain injuries, your PIP coverage would cover your medical expenses, such as hospital visits and rehab, regardless of who was at fault. However, be aware that PIP coverage in Nevada usually has limits, and for more serious injuries or prolonged treatment, you may need additional coverage or other types of insurance to fully protect yourself.

Medical Payments (MedPay) Coverage

MedPay coverage is similar to PIP, but it only covers medical expenses, not lost wages or other expenses. If you’re in an accident and need immediate medical care, MedPay helps cover the costs, even if you’re not at fault.

For example, let’s say you’re involved in a fender bender, and it’s not immediately clear who is at fault. MedPay will cover your emergency care while the insurance companies figure out liability. MedPay can give you peace of mind by covering medical costs without waiting for a determination of who’s responsible.

If you’re in a situation like this, a car accident injury attorney in Las Vegas can help ensure that your MedPay coverage is used to its fullest extent and that all of your medical expenses are covered, even if liability is still in dispute.

It’s important to note that MedPay limits are often lower than PIP limits, commonly set at $5,000. Depending on your circumstances, carrying both MedPay and PIP coverage could provide more comprehensive protection, giving you peace of mind and ensuring you have ample funds available after an accident.

Uninsured and Underinsured Motorist Coverage (UM/UIM)

Despite legal requirements, many drivers remain uninsured or carry insufficient insurance to cover significant injuries. Uninsured motorist (UM) and underinsured motorist (UIM) coverage protect you in these circumstances, ensuring you’re financially supported even if the other driver lacks adequate coverage.

For example, if you’re injured in an accident caused by a driver who has minimal liability coverage (insufficient to cover your medical expenses), your UIM policy fills the gap. Similarly, UM coverage becomes crucial if you’re involved in a hit-and-run incident or a collision with an uninsured driver. These coverages safeguard your financial stability, ensuring you won’t be left facing substantial medical bills without recourse.

UM and UIM coverage may seem optional, but carrying them is highly advisable. After a severe accident, expenses can rapidly exceed the other driver’s policy limits, leaving you vulnerable. Having sufficient UM and UIM coverage protects your financial well-being. It provides critical support when you need it most.

Maximize Your Insurance Claim After an Injury

Take these steps after an accident to make sure you get all of the benefits you are entitled to:

• Document Everything—Take photos of the accident scene, your injuries, and any damage to your vehicle. This documentation is crucial for your claim.
• Seek Medical Attention—Even if you feel fine, some injuries (like whiplash) don’t show up immediately. Getting checked out ensures your injuries are on record.
• Call an Attorney—It’s a good idea to get an attorney on your side from the get-go. They can make sure you gather all critical evidence before it disappears and obtain witness statements from bystanders while the accident is still fresh in their minds. An attorney can deal with the insurance company from the start, ensuring that they don’t try to pressure you into saying something that you’ll regret later.

By following these steps, you enhance your chances of receiving fair compensation for your injuries, medical expenses, and related costs. When you are proactive, you significantly raise your chances for a better insurance outcome.

Evaluate Your Auto Insurance Policy Regularly

Your needs change over time, and so should your auto insurance. If you’ve recently moved to a new state or your driving habits have changed, it’s smart to review your coverage and ensure it still fits your needs. Some states have different insurance requirements, and your policy might need to be updated.

By staying proactive and reviewing your coverage every year, you can make sure you’re adequately protected. And you might even find ways to save money by adjusting your deductibles or bundling insurance policies.

Protect Yourself with the Right Coverage

When car accidents strike, knowing how your insurance works can give you confidence in handling the aftermath. Understanding the different types of coverage—like bodily injury liability, PIP, MedPay, and uninsured motorist coverage—helps you feel more in control if you’re ever in an accident.

Remember to review your insurance regularly and consult an attorney for help with your claim if you’re in an accident. Our car wreck attorneys serve Summerlin, Henderson, Las Vegas, and beyond. We stand ready to help you interface with your insurance company and get the compensation you deserve.