Uninsured vs. Underinsured Motorist Coverage in Nevada

By the FigureMyTax Editorial Team · How we calculate

Nevada insurers must offer uninsured and underinsured vehicle coverage equal to your bodily injury limits. UIM pays the damages above the other driver's limits, up to yours, and your insurer may not seek subrogation against the underinsured driver for it.

The offer

NRS 687B.145(2) requires insurers to offer UM and UIM in an amount equal to the bodily injury limits sold, on a form approved by the Commissioner, with a copy of the offer form at each renewal. The insurer need not reoffer it on a replacement policy, but you may buy it by requesting it in writing.

UM and rejection

UM coverage is required in at least the minimum liability limits unless a named insured rejects it in writing on a form furnished by the insurer; it need not be provided on a renewal unless requested in writing (NRS 690B.020). The minimum liability limits are $25,000 per person, $50,000 per accident and $20,000 for property damage (485.185).

How UIM pays

The coverage lets you recover from your own insurer, up to your limits, the damages you are legally entitled to recover from the other driver to the extent they exceed that driver's bodily injury limits. If you suffer actual damages above a governmental liability cap, UIM can cover those too. The insurer is not entitled to subrogation against the underinsured driver for its UIM payment (subsections 2 and 4).

Fault and deadlines

Comparative negligence does not bar recovery if it is not greater than the negligence of the defendants, and you may not recover if it is greater (NRS 41.141). An action for injury to a person must generally be commenced within 2 years (NRS 11.190(4)(e)). Nevada has no no-fault threshold for pain and suffering.

Next steps

Stacking is a separate question; see our statute post and the explainer, then use the Nevada UM/UIM stacking calculator.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Nevada's rules apply to your specific case with a licensed Nevada attorney.