Underinsured Motorist Attorney in Las Vegas

Not all policies are adequate. If you’re involved in an accident but carry just minimum coverage, it may leave you with thousands of unpaid bills.

That’s when underinsured motorist (UIM) coverage can be the difference between financial catastrophe and full recovery. UIM claims are a routine occurrence across Las Vegas, especially in areas like Sunrise Manor, Paradise, and The Strip, where severe crashes exceed Nevada’s state minimums.

Nevada only requires drivers to carry $25,000 in bodily injury liability per person. But medical bills, surgery, therapy, and missed work can easily surpass that. If you’ve been in a serious collision, there’s a good chance the other driver’s insurance won’t be enough to cover your damages.

At Jerez Law, we stand up for victims of accidents where minimum insurance isn’t enough. We fight to recover the maximum compensation you deserve—through your policy, supplemental coverage, or third-party liability.

Learn more about Nevada’s minimum insurance limits on the DMV website.

If the accident left you short-changed, and the policy of the at-fault driver is coming up short, we’re here to step in and fight for what’s fair.

Not Enough Insurance to Cover Your Losses? You’re Not Alone

Far too many Las Vegas drivers are legally insured—but barely. Nevada’s minimum insurance requirements haven’t changed in over a decade, yet the cost of medical care has skyrocketed.

Here’s what the law requires at a minimum:

• $25,000 in bodily injury liability per person
• $50,000 per accident
• $20,000 in property damage liability

These limits are outlined by the Nevada Division of Insurance, and they are woefully inadequate for modern medical bills—especially in high-impact crashes that occur every day on roads like Charleston Boulevard, Tropicana Avenue, and I-15.

Minimum Coverage = Maximum Financial Risk

Let’s say you’re rear-ended near Las Vegas Boulevard by a driver with the minimum liability limits. You’re rushed to UMC Trauma Center with a back injury and later need an MRI, physical therapy, and weeks off work.

In a case like this, your hospital bill alone can exceed $40,000. Add in follow-up care, rehab, lost income, and pain and suffering, and your actual losses could reach six figures. But if the at-fault driver only has $25,000 in bodily injury coverage?

You’re left holding the bag.

And if more than one person was injured? That $50,000 cap is split between all victims, reducing your compensation even further. The Insurance Research Council found that most bodily injury claims today far exceed state minimums—especially in metro areas like Las Vegas.

Underinsured Motorist Coverage Can Bridge the Gap

Underinsured motorist (UIM) coverage helps cover:

• Remaining medical bills once the at-fault driver’s insurance maxes out
• Future care like physical therapy, surgeries, or chiropractic treatment
• Lost income if you can’t return to work
• Pain, suffering, and permanent disability not paid by the other party

Your own insurance steps in to cover the difference—but only if you have UIM coverage in place, and only if you know how to access it. Unfortunately, many victims don’t even realize they have this protection. Others get denied outright.

That’s where we come in.

Jerez Law Knows Where to Find the Coverage You Deserve

At Jerez Law, we’ve helped victims from Henderson, North Las Vegas, and Downtown Las Vegas unlock UIM benefits after catastrophic crashes. Our attorneys:

• Review your policy line by line
• Identify overlooked coverage and stackable policies
• Handle all insurer negotiations and documentation
• Pursue legal action if your claim is denied or delayed

You’ve already been hit by a careless driver. You shouldn’t get hit again—this time by your own insurer.

Want to learn more about how UIM coverage works in Nevada? Visit Auto Insurance FAQs from the Nevada DMV for an overview.

Don’t Let the System Undervalue Your Recovery

The system is stacked against victims who don’t know their rights. That’s why we fight back with experience, precision, and relentless legal pressure.

If your crash-related losses exceed the other driver’s policy limits, even slightly, you may be eligible for significant UIM compensation. Don’t leave that money on the table.

Contact Jerez Law today. We’ll explain your rights in plain English, review your case at no charge, and guide you toward full financial recovery.

Real-World Situations That Lead to Underinsured Motorist Claims

You don’t need a complex legal dispute to trigger a UIM claim. In fact, some of the most common car accidents in Las Vegas end up needing underinsured motorist coverage—especially when serious injuries or multiple victims are involved.

Below are real-world examples of cases where Jerez Law helps injured clients access the UIM benefits they didn’t know they had.

Severe Injuries, Minimal Coverage

Let’s say you’re T-boned at Tropicana & Maryland Parkway by a driver who only carries the Nevada minimum. You suffer a spinal injury and spend two nights at Sunrise Hospital before starting rehab.

The at-fault insurance pays $25,000—but your hospital bills exceed $60,000. You still need months of therapy and can’t return to work.

With UIM, we can file a supplemental claim against your own policy to recover the rest of your losses, including:

• Out-of-pocket medical costs
• Extended lost wages
• Pain and suffering
• Future care needs

These situations are far more common than most people realize.

Multi-Victim Collisions

If you’re involved in a crash where multiple people are hurt—like a pile-up on the 215 Beltway or a rideshare accident on Las Vegas Boulevard—liability coverage gets split fast.

Even if you were seriously injured, the at-fault insurer may only pay a fraction of your damages.

With UIM coverage, we pursue the remainder of your compensation through:

• Your own policy
• Family household coverage (if applicable)
• Multiple UIM policies (if stacking is allowed)

These situations require skilled navigation of policy coordination and offset rules. That’s exactly what we do best.

Hit by a Driver with Outdated or Lapsed Coverage

Not all insurance policies are created equal. Some drivers are “insured” only in name. They may have:

• Lapsed payments
• Expired policy limits
• Non-renewed coverage

If your crash happened near Charleston Boulevard or Rainbow Road—and the at-fault party gives you outdated proof of insurance—we’ll step in to investigate. If their policy is valid but weak, your UIM protection fills the financial gap.

High-Cost Medical Treatment Beyond Liability Limits

We often see UIM claims triggered weeks or months after the crash, when medical needs go beyond what was expected.

Common examples include:

• Unexpected surgeries
• Repeat imaging (MRIs, CT scans)
• Long-term pain management
• Psychological counseling or PTSD treatment

Even if the initial insurance payout seemed fair, your recovery may reveal new expenses. That’s when we reopen the case and activate your UIM claim.

Rideshare, Delivery, and Commercial Vehicle Collisions

Drivers for Uber, Lyft, DoorDash, and Amazon are often underinsured when they’re off-duty or between rides. If you’re hit by a gig driver and their employer denies coverage, you may be left with only the driver’s personal liability policy—which often isn’t enough.

We’ve seen this happen across Downtown Las Vegas and Henderson, especially during high-traffic weekends and convention events.

In these cases, UIM steps in to cover:

• Your personal injuries
• Your passenger’s losses
• Any remaining balance after commercial liability is denied

Who Pays When Insurance Isn’t Enough in Nevada?

When the other driver’s policy maxes out, your losses don’t just stop. Bills still come in. Treatment continues. And your financial stress grows.

So who picks up the tab when insurance isn’t enough?

That depends on what coverage exists—and whether you have the right team to uncover and enforce it.

Your Underinsured Motorist Coverage (UIM)

This is your first and most important line of defense. UIM coverage kicks in only after the at-fault driver’s liability limits are exhausted—and if your losses still exceed what was paid.

We use your UIM policy to cover:

• Medical expenses
• Lost wages
• Pain and suffering
• Long-term disability or therapy

Even though it’s your own policy, your insurer may push back, delay payment, or try to settle for far less than your actual losses. We don’t let that happen.

Learn more about how UIM coverage works from the Insurance Information Institute.

Stacking Multiple Policies for Greater Protection

In some cases, you may be able to “stack” multiple underinsured motorist policies. This applies if:

• You own more than one insured vehicle
• You’re covered under a family member’s policy in the same household
• There are umbrella policies that include excess liability

Not all insurers allow stacking—and many try to hide that it’s even an option. We identify and leverage every layer of coverage available under Nevada law.

Third-Party Liability: Going Beyond the Driver

Sometimes, the underinsured driver isn’t the only one at fault. Depending on the facts of your crash, we may also pursue compensation from:

• An employer (if the driver was working)
• A bar or restaurant (in potential dram shop liability cases)
• A vehicle manufacturer (if equipment failure contributed)
• A city or state agency (if road conditions played a role)

These third-party claims are complex, but they can add substantial compensation to your case. We investigate thoroughly—because you shouldn’t leave money on the table when you’ve been injured due to someone else’s negligence.

Medical Payment (MedPay) and Personal Injury Protection (PIP)

If you carry MedPay or PIP coverage, you may also receive benefits, regardless of fault. These can help offset:

• Emergency room visits
• Ambulance rides
• Initial doctor’s visits
• Diagnostic imaging

Unlike liability and UIM claims, MedPay is typically fast, no-fault, and paid directly to you or your provider. But insurers may try to reduce or deny these claims as well.

The Nevada Division of Insurance outlines how MedPay coverage applies—but you still need someone who knows how to enforce it when insurers resist.

When Insurance Isn’t Enough, Legal Strategy Is Everything

No single policy will fix everything. But together—with the right legal approach—these tools can help you recover:

• Maximum compensation for your physical injuries
• Financial stability while you heal
• Peace of mind knowing your future is protected

At Jerez Law, we coordinate every moving part of your case. We hold every responsible party accountable, explore every avenue of recovery, and ensure you’re not left shouldering the burden of someone else’s poor choices.

What Makes Underinsured Motorist Claims So Complex

Underinsured motorist claims aren’t as straightforward as they seem. Even when it’s clear the other driver didn’t carry enough coverage, getting full compensation isn’t guaranteed.

Why? Because you’re not just dealing with one insurance company anymore—you’re dealing with two, and neither one wants to pay more than they absolutely must.

Here’s what makes these claims so difficult to navigate without an experienced Las Vegas injury attorney:

You’re Dealing With Your Own Insurer—But They Act Like the Opposition

Even though UIM claims are filed through your own policy, your insurer isn’t there to help you. In fact, they’ll often treat you like any third-party claimant.

You can expect:

• Disputed medical evaluations
• Questioned liability or causation
• Pushback on long-term or “non-visible” injuries
• Delays in communication or outright denial of valid claims

We’ve seen major insurers delay UIM claims for months, hoping you’ll give up or settle for less. At Jerez Law, we hold them accountable and fight to enforce the policy you paid for.

Offset Clauses Can Shrink Your Payout

Nevada law allows insurers to offset what they owe by subtracting the amount already paid by the at-fault driver’s insurer. This means your UIM policy may not actually pay the full difference unless:

• Your damages are clearly documented
• Your policy allows for full coverage of pain, suffering, and future costs
• You fight back against how the offset is calculated

We challenge unfair offsets with precise documentation, expert medical analysis, and detailed loss valuations that insurance companies can’t ignore.

Stacking Is Possible—But Often Denied Without a Fight

Nevada allows for “stacking” of underinsured motorist policies in some cases. But insurers rarely offer this unless forced to.

Stacking allows you to combine UIM limits from:

• Multiple vehicles under your name
• Household policies covering family members
• Vehicles owned by others living in your home

Insurers often hide or misrepresent stacking eligibility in the fine print. We uncover that eligibility, interpret confusing policy language, and pursue every available dollar.

Curious about stacking rules? The Nevada Department of Insurance offers limited guidance—but interpretation matters. That’s where we step in.

Proving Future Damages Requires Strategic Medical Support

To secure the maximum payout, your claim must include not just past losses, but projected future damages like:

• Ongoing rehabilitation
• Future surgeries
• Long-term medication
• Loss of earning capacity

Insurers frequently challenge these projections. At Jerez Law, we work closely with:

• Neurologists
• Orthopedic surgeons
• Pain management doctors
• Certified life care planners

Together, we build a comprehensive claim that includes the real cost of your recovery, now and later.

You Only Get One Shot—Don’t Miss It

Once you accept a UIM settlement, you waive your right to recover anything further—even if your condition worsens or new injuries are discovered.

That’s why we fight for every category of compensation up front, from:

• Medical expenses
• Lost income
• Pain and suffering
• Emotional distress
• Permanent impairment or disability

UIM claims are legally dense, strategically complex, and financially high-stakes. You can’t afford to go it alone—and you don’t have to.

Hit by a Driver with Too Little Insurance? We’ll Make It Right.

You did everything right. You followed the law. But now you’re injured, and the driver who caused your crash didn’t carry enough coverage to make you whole.

That’s not fair—and we won’t let it stand.

At Jerez Law, we help Las Vegas crash victims recover the compensation their injuries deserve—even when the other driver’s policy runs dry. We know how to enforce underinsured motorist coverage, negotiate with your insurer, and unlock every available dollar.

We’ve helped people across Clark County, from Summerlin to Spring Valley, recover from devastating crashes when basic coverage wasn’t enough. We’re ready to help you, too.

Here’s what you get with Jerez Law:

• A free, no-risk consultation to evaluate your UIM claim
• A no-fee-unless-we-win promise so you don’t pay upfront
• A legal team that’s local, aggressive, and ready to fight for you

You only get one shot at full compensation. Don’t leave it in the hands of an insurance company.

Call Jerez Law at (725) 215-0294 or contact us online now. Let us take it from here—so you can focus on healing.