Uninsured Motorist Attorney in Las Vegas

It’s infuriating, stressful, and unjust to be struck by an uninsured driver. You did the right thing—now, though, you have medical bills and repair costs.

In Las Vegas, where drivers too frequently ignore state insurance laws, crashes with uninsured motorists are all too common. Indeed, Nevada is among the states with the highest percentage of uninsured drivers on the highways. Mix that with the traffic jams around Las Vegas Boulevard, the Strip, and Spring Mountain Road, and the risks add up fast.

We at Jerez Law fight for those hurt by uninsured drivers. If the perpetrator of the crash fled the scene, never insured at all, or your own company won’t settle, we’re on the scene immediately. We begin the legal process, fight bad-faith tactics, and bring every penny owed to you.

Uninsured motorist (UM) coverage will save your pocketbook from being destroyed—but only when your insurer honors the agreement. Most do not without the threat of lawsuit.

Learn more about Las Vegas traffic safety and accident trends on the Nevada Office of Traffic Safety website.

If you’ve been hit by an uninsured driver anywhere in Clark County, from Downtown Las Vegas to Henderson, call us now. We offer free consultations and no fees unless we win.

Why Uninsured Motorist Coverage Matters in Las Vegas

Despite Nevada’s mandatory insurance laws, many drivers on Las Vegas roads don’t carry any liability coverage. This puts responsible motorists at serious risk every day—especially in high-traffic areas like Paradise, Charleston Boulevard, and Decatur Avenue.

If an uninsured driver causes a crash, you can’t file a claim through their insurance, they don’t have one. That’s where uninsured motorist (UM) coverage steps in. This optional coverage on your own auto policy is designed to pay for:

• Emergency room and hospital bills
• Lost wages during recovery
• Pain and suffering
• Vehicle damage

In many cases, UM coverage is the only way victims can recover compensation after a serious crash. Unfortunately, insurance companies often deny or delay these claims. They may argue the accident doesn’t qualify, downplay your injuries, or offer a lowball settlement.

At Jerez Law, we know every trick in the book—and we don’t let insurers get away with it.

Nevada Revised Statutes § 687B.145 explains how UM coverage works in our state. But the legal language is complex. That’s why it’s essential to have a legal team that understands how to interpret and enforce your rights under Nevada law.

Want to see how insurance laws apply to your case? Visit the Nevada Division of Insurance for detailed guidelines on coverage rules and consumer protections.

If you were hit near Fremont Street, Sunset Road, or anywhere else in Clark County, we’re here to guide you through every step.

When You Can File an Uninsured Motorist Claim in Las Vegas

According to the Insurance Research Council, Nevada consistently ranks above the national average for uninsured drivers, making UM coverage even more critical for Las Vegas and visitors. Uninsured motorist claims don’t just apply to drivers hit by someone without coverage. They apply to a range of dangerous, unexpected crash scenarios.

Below are the most common situations we see at Jerez Law—and how we help you navigate them.

Hit-and-Run Accidents

Hit-and-run crashes are everywhere in Las Vegas. From dimly lit parking lots in East Las Vegas to busy intersections like Tropicana and Eastern, drivers often flee the scene to avoid responsibility.

In Nevada, a hit-and-run is legally treated the same as being struck by an uninsured driver. Even if you never find the at-fault party, your UM coverage applies.

Why These Cases Are So Complicated

• There’s no one to collect insurance from
• Police reports may be incomplete or delayed
• Insurance companies often require “physical contact” to accept UM claims

At Jerez Law, we act fast. We help secure police documentation, interview witnesses, and track down any available video footage—from gas stations, casinos, or traffic cams.

Crashes with Completely Uninsured Drivers

Even though Nevada requires every driver to carry liability insurance, many skip it. According to recent estimates, nearly 1 in 8 drivers nationwide are uninsured, and the percentage is likely higher in cities like Las Vegas.

These drivers often operate illegally—and when they cause accidents, they disappear. Your only realistic path to recovery? Filing a UM claim with your own insurer.

Who Pays When the Other Driver Has Nothing?

• Your UM coverage can pay for medical expenses and vehicle damage
• If you don’t have UM, options may include civil lawsuits or state compensation funds
• If the driver was working (like food delivery or rideshare), we’ll investigate employer liability

“Phantom Vehicle” Accidents

Imagine you’re on the 215 Beltway, and a car merges into your lane without looking. You swerve, avoid contact, but crash into a median. The other vehicle speeds away.

This is what insurers call a phantom vehicle crash. While there’s no contact, you’re still eligible for UM coverage—if your attorney can prove the other driver’s actions caused your crash.

Evidence Is Everything in Phantom Cases

• Eyewitness statements are key
• Dashcam footage can make or break your case
• Police reports must clearly document your actions and the missing driver’s behavior

We’ve handled dozens of these cases across Summerlin, North Las Vegas, and Henderson. We know how to present proof that holds up—because that’s what wins.

Rideshare Crashes with Uninsured or Underinsured Drivers

If you were injured in a rideshare accident, coverage depends on the driver’s app status. If the driver was off-duty—or worse, had no valid insurance—your own UM policy may need to cover your injuries.

This is especially tricky when:

• The rideshare driver had a personal policy that excludes commercial use
• The company denies responsibility because the driver was “offline”
• You were a pedestrian or cyclist hit by an app-based driver with no active trip

How Jerez Law Handles Complex Rideshare Coverage Disputes

We dig into:

• Driver GPS logs
• App timestamps
• Cell phone data
• Contractual policies between Uber/Lyft and the driver

Then we hold the right party accountable—whether that’s the individual driver, the platform, or your own insurer under UM/UIM coverage.

Learn more about our experience with complex transportation accidents on our rideshare accidents page.

Pedestrians and Cyclists Hit by Uninsured Drivers

If you were walking near the Las Vegas Convention Center, crossing the street by UNLV, or biking down Alta Drive, and an uninsured driver hit you, you can still file a UM claim.

Your own car insurance policy may apply—even if you weren’t in a car at the time.

We help clients:

• Activate UM coverage after pedestrian or bike accidents
• Collect video and eyewitness evidence
• Maximize recovery for medical bills, surgeries, and long-term care

What If You’re a Passenger in Someone Else’s Vehicle?

If you’re riding in a friend’s car and the crash involves an uninsured driver, you may be eligible for:

• The driver’s UM coverage
• Your own UM/UIM policy, depending on the situation
• Stacked coverage, if more than one policy applies

These multi-policy scenarios can be legally complex. But that’s exactly where we excel.

We ensure every available policy is identified, activated, and honored.

Why Uninsured Motorist Claims Are Harder Than You Think

On the surface, uninsured motorist (UM) claims seem simple—you pay for the coverage, so your insurer should pay when the time comes.

But it rarely works that way.

Insurance companies treat UM claims just like any other injury claim: with skepticism and delay tactics. In many cases, they become just as combative as if you were suing a third-party driver.

Your Insurer Is Not on Your Side

Even though it’s your own policy, your insurance company becomes your legal opponent in a UM claim. Their goal is to protect their bottom line—not to help you recover fully.

Expect them to:

• Downplay your injuries
• Dispute whether the other driver was at fault
• Demand excessive documentation
• Offer far less than your policy allows

That’s why having legal representation is critical. At Jerez Law, we don’t just file the claim—we protect your rights, push back on denials, and build a case that forces the insurer to act.

Physical Contact Requirements Can Deny Your Claim

In some cases—especially with phantom vehicle accidents—your insurer may argue that your UM coverage doesn’t apply unless there was physical contact between vehicles.

We’ve seen clients denied for:

• Swerving to avoid a reckless driver and hitting a pole
• Getting run off the road without being struck
• Witnessing the other vehicle flee before police arrive

If your claim was denied for “lack of impact,” don’t give up. We’ve reversed dozens of these denials by proving causation through dashcams, witness statements, and location-based surveillance.

Policy Language Can Be Full of Traps

Not all UM policies are created equal. Some include vague or outdated exclusions that hurt your case. Others try to cap damages unfairly or misclassify your crash.

We’ve encountered:

• “Named insured only” clauses that exclude household members
• Coordination of benefits clauses that block medical payouts
• Arbitrary deadlines for notifying the insurer after the crash

Our team reviews the full policy line by line. If there’s a way to fight a clause or challenge a wrongful interpretation, we’ll find it and use it.

Want to know more about policy disputes and consumer rights? Visit the National Association of Insurance Commissioners for consumer protection resources.

You May Be Entitled to More Than the Insurer Tells You

Most UM policies cover more than just hospital bills. They may also include:

• Lost income if your injuries prevent you from working
• Future rehabilitation or surgeries
• Emotional distress or mental trauma
• Pain and suffering damages
• Funeral expenses in wrongful death cases

But your insurer won’t volunteer this information. We will. We calculate the full impact of your accident, now and long-term, so your claim reflects the true cost of your losses.

How Jerez Law Builds a Strong Case for Uninsured Motorist Claims

When you’ve been hit by an uninsured driver, your recovery shouldn’t depend on guesswork. At Jerez Law, we bring structure, strategy, and legal firepower to every UM case we take.

We know how to challenge insurance companies, prove liability—even without the other driver—and push for the full value of your claim.

Here’s how we do it.

1. We Review and Interpret Your Insurance Policy in Full

UM coverage isn’t always straightforward. Every insurer uses different wording, and many insert loopholes that limit your rights. That’s why we start by dissecting your auto policy line by line.

We look for:

• Hidden exclusions
• Stacking opportunities
• Ambiguities that work in your favor
• Deadlines or notification traps

If there’s coverage to be had, we’ll find it—and we’ll hold the insurer to it.

2. We Launch an Immediate Investigation

The first hours and days after a crash are critical. Our legal team moves fast to preserve evidence, verify your story, and secure everything needed to prove liability.

That includes:

• Reviewing surveillance footage from traffic lights or nearby businesses
• Pulling dashcam or ring camera video
• Gathering witness statements and contact info
• Accessing crash data and LVMPD reports
• Mapping the collision site using Google Maps for time-stamped reference

Whether your crash happened near Desert Inn Road, Rancho Drive, or a quiet neighborhood in Spring Valley, we know where to look and how to act.

3. We Work Closely With Medical Experts to Prove Your Injuries

Insurance companies love to downplay injuries—especially in non-contact or hit-and-run crashes. We stop that in its tracks.

We collaborate with:

• Orthopedic surgeons
• Neurologists
• Pain management specialists
• Physical therapists
• Vocational experts

Our network of Las Vegas-based providers, including professionals from Sunrise Hospital and MountainView Medical Center, helps us demonstrate the full scope of your injuries and future care needs.

We don’t just submit bills, but we build a medical narrative that shows exactly how the accident changed your life.

4. We Calculate Damages the Right Way—Down to the Dollar

You deserve more than a quick payout. We build a comprehensive damages package that includes:

• Emergency care costs
• Surgery and follow-up treatment
• Physical therapy and rehab
• Lost wages and future earnings
• Pain and emotional suffering
• Long-term care or life planning needs

This isn’t guesswork—we rely on certified life care planners and financial experts to back every number we demand.

5. We Negotiate Like Trial Lawyers Because We’re Ready for Court

Insurers don’t fear law firms that settle early. They fear the ones that prepare for trial.

At Jerez Law, we take every uninsured motorist claim seriously. That means we:

• Submit detailed demand packages with evidence to support each damage category
• Respond aggressively to lowball offers
• File lawsuits when necessary
• Represent you in arbitration, mediation, or court with confidence

This reputation works in your favor. Insurance companies know we don’t bluff—and we don’t back down.

Injured by an Uninsured Driver? Jerez Law Is Ready to Fight for You

Being hit by a driver without insurance doesn’t mean you have to pay the price. At Jerez Law, we turn confusion into clarity—and denials into compensation.

We’ve helped victims all over Las Vegas—from Henderson to Summerlin, from Blue Diamond Road to the Las Vegas Strip—recover what they’re rightfully owed under uninsured motorist policies. We know how to navigate the legal maze, deal with stubborn insurers, and demand full and fair compensation.

When you call Jerez Law, you get:

• A free consultation—no pressure, just honest legal insight
• No fee unless we win—you don’t pay us a dime upfront
• Local legal power—we know Nevada law, Las Vegas roads, and every insurer’s tricks

Don’t let your own insurance company shortchange you, accept silence after a hit-and-run, or settle for less than what you deserve.

Call us today at (725) 215-0294 or contact us online.
Let’s fight for the compensation your policy promises—and the justice your injuries demand.