RENO UNINSURED MOTORISTS LAWYER
Reno Nevada Uninsurred Motorists Attorney
Estimates are that as many as 20% of cars on the road are uninsured. A much greater number, as many as two-thirds to three-quarters, are underinsured; do not have adequate insurance coverage to protect you in the event that another driver causes an accident which injures you, your child or someone with you.
Most insurance companies write policies with what are called split limits meaning that there is one maximum amount for injury or death suffered by one person and a separate maximum amount for all injuries (or deaths) in any one accident, no matter how many there are. Coverage of $100,000/$300,000 for liability would be the bare minimum.
How much uninsured motorist coverage and underinsured motorist coverage (they are sold together) should you carry to protect your family? You can only carry as much as your liability limits but you definitely should not carry less. Because injuries can occur in accidents caused by drunk drivers and careless drivers, and injuries can seriously impact not only a working adult but a child or non-income earning spouse, it is best to carry limits that provide at least $250,000 per person and $500,000 per accident.
