Uninsured Motorist Coverage in Nevada: Complete Guide

"Stacking" means combining (adding together) the UM coverage limits from multiple vehicles on your policy to increase your total protection.

Example Without Stacking:

You have 2 cars insured with 50/100 UM on each. You're injured in an accident in one car. Maximum UM payout: $50,000 per person / $100,000 per accident.

Example WITH Stacking:

Same 2 cars with 50/100 UM each. With stacking, you can combine both policies. Maximum UM payout: $100,000 per person / $200,000 per accident (double the protection).

Nevada Stacking Rules:

• Stacking is allowed in Nevada unless you specifically reject it in writing
• Stacking costs more: Typically 15-30% premium increase, but provides much better protection
• Only applies to vehicles on same policy: Can't stack across separate insurance policies
• Worth it for multi-car households: If you insure 3+ vehicles, stacking provides significant extra protection

Should You Stack?

If you have 2+ vehicles and can afford the extra premium, stacking is smart — especially with Nevada's high uninsured rate. It multiplies your protection for serious accidents.

Yes, uninsured motorist coverage typically covers hit-and-run accidents where the at-fault driver flees the scene.

How It Works:

• A driver hits your car and leaves without stopping (hit-and-run)
• You have no way to identify or locate them
• Your UM coverage treats them as an "uninsured" driver
• Your UM policy pays for your injuries (and UMPD pays for vehicle damage if you have it)

Important Requirements for UM Hit-and-Run Claims:

• File police report immediately: Required for all hit-and-run claims
• Physical contact required: Most policies require actual impact with your vehicle (not just "phantom vehicle" that causes you to swerve and crash)
• Report to insurer promptly: Notify within 24-72 hours
• Document everything: Photos, witness statements, dashcam footage if available

Nevada Hit-and-Run Statistics:

Las Vegas sees thousands of hit-and-run accidents annually. Many drivers flee because they're uninsured, unlicensed, or impaired. UM coverage is your only financial protection in these cases.

Bottom Line: Hit-and-runs are common in Nevada. UM coverage is essential protection against these situations.

No, they are completely different coverages that serve different purposes:

Key Difference:

UM protects YOU (your body), collision protects your CAR. You need both for complete protection. If an uninsured driver hits you, UM pays for your injuries and collision pays to fix your car.

Recommendation: Don't skip either coverage. Both serve critical but different purposes. See our full coverage guide for more details.

Best Practice: Your UM/UIM limits should match your liability insurance limits. If you carry 100/300 liability, get 100/300 UM/UIM.

Why Match Your Liability Limits?

• You're protecting yourself to the same degree you protect others
• Creates balanced, comprehensive coverage
• If you believe others need $100K protection from you, you need $100K protection from them
• Recommended by most insurance professionals

Minimum Recommendation for Nevada:

• 100/300 UM/UIM — Good baseline protection for most drivers
• Cost: $120-180/year
• Covers up to $100K per person, $300K per accident
• Adequate for most injury scenarios

Consider Higher Limits (250/500 or 500/500) If:

• You have significant assets to protect (home, savings, investments)
• You have high income that could be garnished
• You want maximum financial protection
• You can afford an extra $100-200/year for peace of mind

Bottom Line: Don't go below 50/100. Ideally choose 100/300 or higher. The cost difference is minimal compared to the protection increase.