Bodily Injury Liability Coverage Nevada

A sudden crash on a busy Las Vegas street can change everything in seconds—physically, financially, and emotionally. That’s why having the right auto insurance in place is more than just a legal requirement; it’s a critical layer of protection. One coverage that often gets overlooked until it’s too late? Bodily injury liability coverage in Nevada. This policy doesn’t just cover the people you may unintentionally hurt, and shields you from lawsuits, out-of-pocket expenses, and long-term financial damage. 

At Cloward Trial Lawyers, we’ve seen how fast things spiral when drivers are underinsured. Our goal is to help you stay protected before and after impact. Contact a skilled personal injury attorney in Las Vegas for personalized legal support. 

What Is Bodily Injury Liability Coverage in Nevada?

Bodily injury liability coverage is a core component of any Nevada auto insurance policy. It steps in to cover the costs when you’re found legally responsible for an accident that injures or takes someone else’s life. This includes the injured person’s medical bills, rehabilitation expenses, lost wages, and even legal fees if they file a lawsuit against you.

This coverage isn’t designed to pay for your injuries. Instead, it protects others affected by the crash, and protects you from being personally responsible for tens or even hundreds of thousands of dollars in damages.

Nevada’s Minimum Bodily Injury Liability Coverage Requirements

Nevada drivers must meet specific legal standards when it comes to auto insurance. According to state law, you’re required to carry at least the following:

• $25,000 for bodily injury or death to one person in an accident.
• $50,000 total for bodily injury or death to two or more people in a single accident.
• $20,000 for property damage.

These are often referred to as 25/50/20 coverage. Nevada law outlines these minimums under NRS 485.185. Although this is the legal minimum, relying on it could be costly. Many accidents result in expenses that go well beyond these limits.

What Expenses Are Covered by Bodily Injury Liability Insurance?

When you’re legally responsible for a crash, bodily injury liability coverage in Nevada helps cover the financial fallout. This type of insurance pays for harm caused to others, not yourself or your passengers.

Covered expenses typically include:

• Emergency medical services, such as ambulance transport and ER care.
• Hospitalization and surgeries, including follow-up treatment and rehabilitation.
• Lost wages if the injured person is unable to work.
• Pain and suffering can significantly increase total damages.
• Funeral costs, in the tragic event of a fatality.
• Legal defense fees if a lawsuit is filed against you.

Each insurance company may structure its policies differently, but these categories are widely included across standard plans. The Nevada Division of Insurance offers further insights on what this and other coverages mean for drivers statewide. 

What Happens If You’re Injured and the At-Fault Driver Has Low Coverage?

You could be left with massive bills and limited options. When someone causes an accident but only carries Nevada’s bare minimum insurance, the compensation available may not come close to covering your losses, especially in severe injury cases.

That’s where underinsured motorist coverage and pursuing a personal injury claim come into play. You may be able to file a lawsuit against the at-fault driver for the balance of your damages. You could absorb the costs if you don’t carry supplemental coverage and the other driver has no assets.

How Much Bodily Injury Liability Coverage Should You Have in Nevada?

Nevada law may set the floor, but it doesn’t put the ceiling. We recommend carrying higher-than-minimum limits—at least $100,000 per person and $300,000 per accident—especially if you have assets to protect. This level of coverage offers greater security and better aligns with the real-world costs of medical treatment and litigation.

Higher coverage not only helps protect you from lawsuits but can also reduce long-term financial stress. If you’re unsure what limits make sense for your situation, we encourage you to speak with your insurer, and don’t wait until after an accident happens.

Injured in a Las Vegas Accident? Get Legal Help to Maximize Your Compensation

Low insurance limits or denied claims shouldn’t stop you from getting what you’re owed. Bodily injury liability coverage in Nevada may fall short, but your recovery doesn’t have to.

At Cloward Trial Lawyers, our personal injury lawyers in Las Vegas go head-to-head with insurers who try to pay less than what’s fair. Our legal team fights for maximum compensation every time.

Call us at 702-605-5000 today to schedule a free consultation. Let’s hold the right people accountable and get you the full payout you deserve.