A person injured in an accident caused by an uninsured trucker in Nevada can cover medical expenses and other damages with his or her medical payments policy. The accident victim can recover compensation from his or her uninsured and underinsured motorist policy if he or she has it. The victim can also cover medical costs with his or her health insurance policy. An attorney may look for other potentially liable parties that may compensate the victim for his or her injuries.
Medical Payments Policy
An accident victim can cover a percentage of his or her reasonable and necessary medical costs using medical payments coverage. If the accident was caused by an uninsured trucker, the victim may be eligible for compensation whether he or she was driving his or her car, bicycle, was a pedestrian, or passenger in another person’s car.
Uninsured and Underinsured Motorist (UM) Policy
All truckers in Reno, NV, are required to carry auto insurance. Some truckers and motor carriers, however, disregard this law. At times, the truckers have insurance policies, but it is not sufficient to cover the victim’s damages.
In the event of an accident with an uninsured trucker, the victim can cash in on the uninsured motorist cover if he or she took it out in the first place. The UM policy covers medical bills, lost earnings, physical and emotional pain, and loss of consortium.
Personal Health Insurance Policy
Unlike UM policy, personal health insurance coverage doesn’t cover non-economic damages like physical and emotional pain and suffering. The policy will only pay for the victim’s medical expenses.
The At-Fault Driver and Other Potentially Liable Parties
A truck accident lawyer can explore all sources of liability on the injured party’s behalf. The lawyer can then walk the injured party through the process of bringing an injury claim or lawsuit against the liable parties or entities to recover damages. Possible liable parties in a trucking accident include:
- The at-fault truck driver
- The motor carrier employing the truck driver
- The shipper
- Other liable drivers
- Truck manufacturers
- The maintenance crew of the truck
Statute of Limitations
There is a statute of limitations for filing lawsuits involving uninsured truckers. In Reno and the State of Nevada, this duration is two years after the date of the crash. Failing to file an injury lawsuit or claim within this period may disqualify an accident victim from compensation.