What to Know About Motorcycle Insurance in Nevada

September 18, 2023 Motorcycle Accidents,Nevada Law

Riding a motorcycle can offer a sense of freedom that’s unmatched by other modes of transportation. However, with this freedom comes certain responsibilities. If you’re a motorcycle owner or enthusiast in Nevada, it’s crucial to understand the state’s insurance requirements—and the advantages that come with being properly insured.

What to Know About Motorcycle Insurance in Nevada

Is Motorcycle Insurance Required in Nevada?

Nevada law requires motorcycle owners to carry specific amounts of liability insurance. While operating a motorcycle, riders must always have their insurance card on hand. The minimum coverage requirements are as follows:

  • $15,000 in bodily injury coverage for a single person involved in an accident
  • $30,000 in bodily injury coverage if two or more individuals are involved in an accident
  • $10,000 in property damage coverage per accident

Although Nevada only mandates liability insurance, many riders opt for added protection. This often includes securing collision and comprehensive coverage, along with uninsured motorist coverage, ensuring comprehensive safety for themselves and their bikes.

Benefits of Carrying Motorcycle Coverage

There’s more to motorcycle insurance than simply adhering to legal mandates. The benefits of a robust policy include:

  • Financial Security: A motorcycle insurance policy guards against potential high-cost damages or injuries you might be liable for after an accident, ensuring you’re not caught off-guard by unexpected expenses.
  • Peace of Mind: When you are out on the open road, dangerous collisions can occur. Knowing that many accidents or damages will be covered by your insurance policy can help reduce these worries.
  • Protection from Uninsured Incidents: By securing uninsured motorist coverage, you ensure you’re protected even if an accident is caused by a rider without adequate coverage.

What to Do If You Were Involved in a Motorcycle Collision

The moments following a motorcycle collision can be overwhelming, but taking the right steps can be pivotal for your safety and future insurance claims. If you find yourself in this situation, take the following steps to protect your right to recovery and limit your potential liability:

  • Prioritize Your Safety: Firstly, ensure you’re out of harm’s way. If possible, move your motorcycle off the road or to a safer location, but only if it’s safe to do so. It’s crucial to avoid further accidents or injuries.
  • Seek Medical Attention: Not all injuries are immediately apparent. Go to the hospital as soon as you can, even if you feel okay. Not only does this step help prevent potential complications, but proper documentation of injuries can be pivotal for insurance claims.
  • Call the Police: A police report is a vital piece of documentation in any accident. It provides an unbiased third-party account of the incident and can be essential when filing insurance claims. Always call 911 and report the accident to the police as soon as possible.
  • Document the Scene: Use your phone to take photos of the accident scene, including your motorcycle, other vehicles involved, skid marks, road conditions, and any visible injuries. This visual evidence can be invaluable when explaining the incident to insurance adjusters or attorneys.
  • Exchange Information: Obtain personal and insurance information from any other parties involved in the accident. This includes names, phone numbers, insurance details, and vehicle registration numbers.

Even if the situation seems straightforward, motorcycle accident claims can be complex. In these situations, you need a lawyer on your side. An attorney specializing in motorcycle accidents can guide you, ensuring you’re aware of your rights and options for compensation. As soon as possible after the collision, schedule a consultation with a Las Vegas motorcycle accident lawyer to discuss your next steps.