What Are Bodily Injury Limits?

Sustaining a personal injury in a Las Vegas accident often leads to immediate concerns about insurance coverage and financial responsibility. A common question that arises is: What are bodily injury limits, and how do they impact the ability to recover damages? These limits are not just legal requirements—they directly affect the compensation available for medical bills, lost wages, and ongoing care. An experienced personal injury lawyer in Las Vegas from Cloward Trial Lawyers will provide you with clarity on these issues and work to ensure our clients receive the full compensation they are entitled to under Nevada law.

What Are Bodily Injury Limits and Why Do They Matter in Nevada?

Bodily injury limits determine the maximum amount an insurer will pay for injuries caused to others in an accident where the insured is found liable. These limits are typically expressed as two figures: one indicating the cap per injured individual and the other setting the maximum payout for the entire incident. Under Nevada law, the required minimum is $25,000 per person and $50,000 per accident.

How to Understand Your Bodily Injury Coverage Limits

Insurance policies typically list bodily injury limits as paired figures—such as 25/50 or 100/300. These numbers refer to the maximum amounts available for each injured person and for all injured parties combined in a single accident. For example, a 100/300 policy allows for up to $100,000 per person and no more than $300,000 total for the entire incident.

It is also important to distinguish bodily injury coverage from property damage liability. Bodily injury coverage pertains to physical harm and associated costs, while property damage liability covers damage to vehicles, structures, and other property. 

How Bodily Injury Limits Impact Personal Injury Claims in Las Vegas

The at-fault driver’s bodily injury liability coverage is often the primary source of compensation in a personal injury claim. This coverage is designed to pay for medical costs, lost income, rehabilitation services, and—depending on the severity of the injury—compensation for pain and suffering.

However, many Las Vegas drivers only carry the legally mandated minimum coverage. When serious injuries occur, these policies may be insufficient to compensate the injured party fully. If insurance coverage does not meet the full extent of damages, pursuing legal remedies becomes essential.

What Happens If the At-Fault Driver’s Insurance Isn’t Enough?

When insurance limits fall short, there are still potential options for recovering full compensation. One such option is uninsured/underinsured motorist (UM/UIM) coverage. This form of insurance, which can be added to your own policy, provides protection when the other party is inadequately insured or entirely uninsured.

In Las Vegas, where underinsured drivers are not uncommon, UM/UIM coverage can be a vital safety net. In its absence, the injured party may need to seek compensation through a personal injury lawsuit, which could involve recovering damages from the at-fault party’s individual assets or additional policies. Contact a skilled car accident lawyer in Las Vegas for legal guidance.

Choosing the Right Bodily Injury Coverage to Protect Yourself

Maintaining only the minimum required bodily injury limits may leave you vulnerable, both legally and financially. Increasing your coverage provides greater protection—not only for those who may be injured in an accident you cause but also for yourself should you become the victim of a collision involving an underinsured driver.

Increasing the limits of liability coverage usually comes at a low additional cost but offers great assurance. In cases where emergency services are needed, the expense of a single visit could surpass the minimal level of coverage provided by basic policies. The advantages of having higher coverage limits are even more pronounced for the victims of multi-car collisions or people with long-term debilitating injuries.

Injured in Las Vegas? Get Help Understanding Your Bodily Injury Claim

Personal injuries can disrupt nearly every aspect of life, from physical well-being to financial stability. At Cloward Trial Lawyers, our experienced personal injury lawyers in Las Vegas take on the legal responsibilities so you can prioritize recovery.

We help clients understand the coverage available under both their policies and those of at-fault parties. Whether it involves communicating with insurance adjusters, challenging denied claims, or litigating in court, we work to secure the compensation you need and deserve.

Injured in Las Vegas? Get a Free Consultation with a Las Vegas Personal Injury Lawyer

If you have questions about what are bodily injury limits, our team is here to provide answers. At Cloward Trial Lawyers, we guide injury victims through every stage of the claims process—from evaluating insurance coverage to negotiating fair settlements.

Contact us at 702-605-5000 to begin your consultation with a legal team that prioritizes your recovery. Schedule a free consultation today.