Las Vegas roads are constantly congested with locals, tourists, and heavy traffic, but the risks don’t stop there. The influx of rideshare and delivery drivers navigating the city, the maze of construction zones across the valley, and the sheer number of semi-trucks and construction vehicles clogging the roadways make accidents an everyday reality. If you’re injured in a crash, understanding Nevada’s car accident laws is crucial to protecting your rights and securing the compensation you deserve.
At Henness & Haight, we’ve spent over 25 years representing accident victims across Nevada. We know how insurance companies operate and what it takes to build a strong case.
Insurance Requirements
After a car accident, one of the biggest concerns is how damages and injuries will be covered. While Nevada law requires all drivers to carry liability insurance, dealing with insurance companies can be complicated—especially if they try to minimize or deny your claim.
Nevada’s Minimum Insurance Requirements
Every driver in Nevada must carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
However, these limits often don’t fully cover medical bills, lost wages, and vehicle repairs after a serious accident. Many victims find out too late that the at-fault driver is underinsured or uninsured.
Nevada DMV – Insurance Requirements:
https://dmv.nv.gov/insurance.htm
What Insurance Companies Don’t Tell You
Insurance companies—even your own—are focused on paying out as little as possible. After an accident, they may:
- Offer a low initial settlement before you know the full extent of your injuries.
- Ask for a recorded statement to use against you later.
- Delay or deny claims, hoping you’ll give up.
Before speaking with any insurance company, talk to a qualified car accident attorney. An attorney can handle negotiations, protect your rights, and make sure you don’t settle for less than you deserve.
How Fault Affects Compensation
Nevada follows a modified comparative negligence rule:
- You can recover damages only if you are less than 51% at fault for the accident.
- If you share fault, your compensation is reduced by your percentage of responsibility.
For example, if you’re found 20% at fault and awarded $100,000, your final payout would be $80,000. If you’re 51% or more at fault, you cannot collect damages.
Insurance companies often try to shift blame to reduce payouts. A skilled attorney can challenge these tactics and work to maximize your compensation.
Nevada Comparative Negligence Law (NRS Chapter 41):
https://www.leg.state.nv.us/NRS/NRS-041.html
Time Limits for Filing a Claim
Nevada law gives you:
- Two years from the accident date to file a personal injury claim
- Three years to file for property damage
The sooner you act, the stronger your case. Waiting can make it harder to gather evidence and secure fair compensation.
Nevada Statute of Limitations (NRS Chapter 11):
https://www.leg.state.nv.us/nrs/nrs-011.html
Why Legal Representation Matters
Insurance companies are not on your side. Their goal is to pay as little as possible. They may:
- Offer a low settlement before you know the full extent of your injuries.
- Delay payments to pressure you into settling.
- Use recorded statements against you to reduce your claim.
At Henness & Haight, we’ve secured over $1 Billion in settlements and verdicts. We know how insurers operate and how to push back effectively.
What Sets Henness & Haight Apart?
- 99.4% success rate in personal injury cases
- No upfront costs—you pay nothing unless we win
- Top-rated Las Vegas attorneys with deep local knowledge
- A proven track record of fighting for maximum compensation.
Injured in a Car Accident? Take Action Today
Don’t let insurance companies dictate your future. Get the legal support you need.
Call Henness & Haight today for a free, no-obligation case evaluation. We’ll review your case, answer your questions, and explain your legal options. You don’t pay unless we win. Learn about about our experienced Las Vegas car accident attorneys.
