All licensed drivers in Nevada are required to carry a minimum amount of auto insurance. It is because the state has a “fault” system for all auto accidents, including motorcycle accidents, which holds the at-fault motorist accountable for paying for any harm caused by the collision.
Nevada does not impose additional insurance beyond this basic need, such as personal injury protection. Because both accident participants are responsible for their injuries, no-fault jurisdictions are often the only ones needing additional insurance, like PIP. However, it does not suggest that PIP is not beneficial, even in fault-based states.
Learn the importance of PIP insurance for Motorcyclists in Nevada
What Is Covered Under PIP?
To a specific extent, personal damages are covered by personal injury protection. Depending on your insurance, PIP covers a different proportion of the loss. Personal injuries covered by PIP must fall under one of the following categories:
Medical expenses – PIP covers all medical tests, procedures, and surgeries, including dental and eye care. It also includes the resources, such as medicine and medical equipment, needed to complete the course of therapy.
Lost wages – Some accidents force victims to take time off work to heal. In certain situations, PIP can recover lost wages up to a predetermined proportion.
Funeral costs – In the event of death, PIP may help with some of the expenses related to the final arrangements. Talk to a motorcycle accident lawyer in Nevada if you think someone could be responsible for losing your loved one.
Substitute Services – If a driver who has been wounded is so disabled that they cannot do simple household duties, PIP may pay for replacement services that assist with these errands.
Personal injury protection does not handle emotional discomfort or agony brought on by accident. Thus, it does not provide pain and suffering coverage as a personal injury claim can. By mandating PIP to pay all losses up to a certain maximum, states that mandate PIP reduce the number of personal injury claims in court.
Car accident lawsuits must not be initiated until this limit has been reached. Nevertheless, this is not the situation in the state of Nevada. PIP does not reduce insurance coverage; rather, it enhances it.
Is PIP Insurance Required in Nevada?
No. As of 2018, 16 states require PIP insurance for their motorcyclists. These are the states:
- North Dakota
- New York
- New Jersey
In addition, PIP insurance is optional in numerous other states, including New Hampshire, South Dakota, Texas, South Dakota, Wisconsin, and Washington.
Nevertheless, Nevada motorcyclists can purchase medical payment coverage, similar to PIP. Regardless of the at-fault party, this insurance will cover your medical expenses, so you will still be covered in case of a collision. No matter who was at fault, medical payments will also cover injuries to passengers in your automobile. Nevada vehicle owners are not required to get medical payment coverage; it is optional.
Are You a Motorcycle Accident Victim Searching for a Personal Injury Attorney with Experience?
One of Nevada’s top personal injury law companies, The Bourassa Law Group, assists motorcycle accident victims in obtaining the most reasonable compensation for their damages. Our team of skilled personal injury lawyers will look into your case, collect all available evidence from witnesses to support it, and fight for the just compensation you are entitled to.
To arrange a FREE consultation, contact us at (800)870-8910!
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