Boulder City Car Accident Lawyer
If you were involved in a car accident, you might face serious injuries that cause you to miss work, miss out on hobbies, and face ongoing disabilities. Whether your car accident resulted in a day or a month in the hospital, our lawyers can fight to get you compensation for your injuries.
We can help you gather evidence to support your claim, file insurance claims to get damages paid quickly, and – if they deny full coverage – we can take the case to court. Most car accident claims end in settlement, but our job is to maximize your payout and see that all of your damages are covered.
For a free case evaluation, call Mitchell Rogers Injury Law at (702) 702-2622 today.
Is Nevada a No-Fault Car Insurance State?
Whether your state is a “no-fault” or “at-fault”/“tort” state for car insurance makes a huge difference in your car accident case. Nevada is not a no-fault state; we use fault-based rules.
In a no-fault state, drivers carry insurance coverage for their own injuries. If you are injured, you file with your own insurance first, but you cannot get pain and suffering damages that way. Instead, you have to reach a “serious injury threshold” before suing, and you will never get pain and suffering damages for mild or moderate injury cases.
In Nevada, we do not have these restrictions. While insurance is there for the at-fault driver to cover your injuries, you can skip insurance and go straight to a lawsuit if you want to.
This is often a good strategy because it allows our car accident lawyers to push the insurance company into a fair settlement.
If the defendant and their insurance know that they will have to go to court if they do not settle, they can be quite willing to pay what they owe you.
How Much is My Car Accident Case Worth?
Knowing the value of your case can help you avoid a low settlement and ensure that you get all damages paid. But knowing how much your case is worth is impossible without close analysis.
Most car accident injury claims involve damages for four main areas of damages: medical bills, lost wages, property damage, and pain and suffering/non-economic damages. Medical bills, car repair costs, and past lost wages can be simple enough to calculate, but future medical costs and lost earnings take additional work.
Moreover, we have to assess pain and suffering damages case by case. More severe injuries pay higher pain and suffering damages generally, but it is more complex.
For example, pain and suffering can be higher if your injury…
- Keeps you from hobbies
- Causes ongoing discomfort
- Involves amputation/permanent loss or
- Causes facial scars.
Accounting for pain and suffering accurately is vital. Non-economic damages can often be more than half of your total damages.
Whose Insurance Covers My Crash in Boulder City, NV?
Because Nevada is an at-fault insurance state, you typically file “third-party” claims against the at-fault driver’s insurance. Their liability coverage must be at least $25,000 per person for injuries ($50,000 per accident) and $20,000 per accident for property damage.
On top of this, you can get insurance that will cover you through a “first-party” claim. These additional coverages can help with the following:
Collision Coverage
If you are in a crash, collision coverage pays for your vehicle damage after you pay a deductible.
Comprehensive Coverage
Like collision damage, comprehensive coverage covers vehicle damage but from sources other than crashes.
Medical Payments
Medpay insurance covers medical bills for you and others injured in your car, no matter who caused the crash. This can help you get medical bills covered quickly and then seek reimbursement from the at-fault driver.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Uninsured motorist coverage pays in place of the other driver if they had no insurance, and underinsured motorist coverage pays extra if their insurance is too low.
Do I File an Insurance Claim or Lawsuit for a Boulder City Car Accident?
If you were injured, you should speak to a lawyer about whether an insurance claim or lawsuit will be right for your case. In some minor cases, you can trust insurance to cover your needs, but insurance carriers are often uncooperative and unwilling to pay for higher damages.
Generally, cases start with insurance claims. Our lawyers can negotiate with the insurance company on the value of the payout, seeking full coverage for your damages. If they refuse to pay, then we can turn to a lawsuit.
Once the case is filed in court, the decision of how much to pay is taken away from the insurance company. Instead, the judge and jury decide your case.
Even if we file a lawsuit, you can still settle the case, and the fear of a lawsuit can push insurance companies to settle fairly.
What Evidence Should I Save for My Car Accident Claim?
If you were involved in a crash, you should always save evidence at the scene, collect police reports and medical records, and speak with a lawyer about additional evidence to secure.
Collecting Evidence
At the scene, write down the name and contact info for all drivers and witnesses. Make sure to also get their insurance info and note any road, weather, and lighting conditions that might have contributed to the crash.
Police Reports
Call 911 and answer the officer’s questions. They will compile what they learned into a report, which we can obtain and use to build your case.
Medical Records
Immediately get medical care and go to the hospital if you need to. Once you start receiving care, do not skip appointments.
Save all medical records, bills, and communications from your doctor to use as evidence. We can obtain copies of your medical records to present them.
Other Evidence
Lastly, in the days after the crash, there may be other evidence to obtain. Working quickly, our lawyers can see if there was security camera footage that might have caught the crash, or we can ask officers and other drivers for dash cam footage.
Save Receipts
On top of this, keep any bills, receipts, or financial records related to your expenses.
Call Our Boulder City Car Accident Lawyers Today
If you were hurt in a crash, call (702) 702-2622 for a free case review with Mitchell Rogers Injury Law’s car accident attorneys.