Nevada is not a no-fault state when it comes to car insurance. It is a tort state, which means that injured people have the right to sue to collect damages following an accident. An investigation after the event will determine which driver as “at fault,” and it is this driver’s auto insurance company that will be responsible for paying for injuries sustained in the accident.
The injured person can make a claim for medical and hospital expenses stemming from the accident. He or she can also ask for compensation for lost wages incurred as a result of the accident. Pain and suffering is something else that an injured person can make a claim for following an accident.
Since Nevada is not a no-fault state, you should notify your insurance company of any accidents you have been involved in, no matter how minor they seem. The carrier needs to be aware of any possible claims that it may be facing. That way, if an injured person does come forward requesting compensation for his or her injuries, the insurer is at least prepared to deal with the matter.
Once a claim has been started, the insurance company will attempt to negotiate a settlement. If the negotiations break down, the insurer will retain a lawyer to act on your behalf.