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Uninsured or Underinsured motorist benefits

Hamilton Law helps drivers recover compensation from their own insurance companies when their insurance companies wrongfully refuse to pay uninsured or underinsured benefits. This is also referred to as a “first-party” case. A common scenario is as follows: A driver is badly injured by another motorist. The at-fault motorist has only the Nevada minimum required insurance coverage of $15,000.

The at-fault driver’s insurance company pays the innocent driver the $15,000 policy limits. But that amount does not fully compensate the innocent driver for his injuries and medical bills. Fortunately, the innocent driver planned ahead for such a situation: He pays premiums for uninsured or underinsured motorist (UIM) coverage with his auto insurance. The innocent driver can then ask his own insurance company to pay UIM policy benefits to compensate him for the losses the at-fault driver’s insurance did not.

Unfortunately, sometimes drivers’ own insurance companies refuse to pay out UIM benefits. This is where Hamilton Law comes into the picture. If you have UIM benefits that you believe you are entitled to and your insurance is refusing to pay them, contact Hamilton Law today. We are happy to analyze your situation for free and help you understand your legal rights against your own insurance company.