Getting into an accident can be a major headache, but if the at-fault driver flees the scene, it can be even more stressful. If you are involved in a hit-and-run accident, the first thing you should do is seek medical attention if you need it. You may then want to call the police.
Before you leave the scene of the accident, you might want to take photos of the damage and contact your insurance company. Your car insurance policy might cover a hit-and-run, depending on the coverage you have. If you cause a hit-and-run and you are found and convicted, your insurance will also be affected.
Hit-and-runs in Nevada
A hit-and-run accident is a collision where the at-fault driver leaves the scene rather than stopping to exchange insurance information. Hit-and-run accidents are surprisingly common. In 2016, almost 12% of property damage accidents in the United States were hit-and-runs.
In the state of Nevada, hit-and-run accidents are prevalent, and many of the crashes involve fatalities. According to Las Vegas police, fatal hit-and-run crashes in the city have increased 450% compared to 2020.
Nevada hit-and-run laws
Nevada drivers who are convicted of a hit-and-run could face a misdemeanor charge if there are no injuries. The penalties may include a fine of $1,000 and up to six months in jail. If the driver flees the scene and there are injuries, they are charged with a felony, which could come with up to $5,000 in fines and up to 20 years in prison.
In Nevada, the at-fault driver is responsible for compensating the other driver for their damages and injuries. Nevada hit-and-run laws also state that both drivers must stop after a collision. However, drivers in Nevada are not required to carry uninsured motorist coverage, which could help pay for your damages if you’ve been hit by an uninsured driver. Drivers who have full coverage insurance might be able to use their collision coverage to pay for the damages from a hit-and-run, but a deductible may apply.
How hit-and-runs impact car insurance rates in Nevada
After a Nevada hit-and-run, your car insurance rates may go up. Anytime you file a claim with your insurance company — even if you aren’t at fault — it can affect your premium. While a not-at-fault loss shouldn’t generate a surcharge against you, it might mean you lose a claims-free discount, if you previously had one on your policy. If you cause a hit-and-run and are convicted, your insurance rates could go up even more.
The actual amount that your premium will increase varies based on a number of factors, including the severity of the crash and your insurance company.
Average annual full coverage premiums
|Before a hit-and-run||After a hit-and-run||After a standard accident|
3 things to do after a hit-and-run in Nevada
Getting into a Nevada hit-and-run can be jarring. If you are hit by another driver and they do not stop, you may want follow these steps for a hit-and-run in Nevada:
- Call the police: First, call the police or emergency services if you are injured. The police will file a report which you can share with your insurance company.
- Document the damage: At the scene, take photos and videos of the damage to your vehicle. If you are injured and need medical attention, keep your treatment records.
- Notify your insurance company: The last step is to notify your insurance company of the incident. An agent should be able to help you start the claim process. You may also be asked to share the photo evidence, police report and your medical records to help the adjuster determine how much compensation you should receive.
Will insurance cover a hit-and-run?
Car insurance can cover hit-and-runs, but only if you have certain coverage types. Nevada car insurance that includes collision coverage and uninsured motorist coverage may be particularly helpful. Collision insurance is included with full coverage policies and uninsured motorist coverage is optional.
If you have uninsured motorist coverage, your medical bills may be covered if the other driver was uninsured. However, because drivers who flee the scene of accidents don’t stick around to show insurance information, your uninsured motorist coverage may not be able to be used. It will depend on your state’s laws and your carrier’s regulations.
If you have full coverage insurance, your collision insurance could cover your vehicle’s repairs. If you use your collision, you may have a hit-and-run deductible, which is the same as the deductible on the collision coverage.
Keep in mind that minimum coverage policies do not offer any protection in the event of a hit-and-run in Nevada. Minimum coverage insurance only offers protection for the other driver if you cause an accident, which is why insurance companies recommend that Nevada drivers purchase full coverage for more protection.
Frequently asked questions
What is the best car insurance company?
The best car insurance company varies based on a number of factors, including where you live, what type of coverage you need, what type of car you drive, what discounts you can qualify for and your monthly budget. To find the best company for you, you may want to compare providers after deciding which factors matter most to you.
How much does car insurance cost in Nevada?
The average cost of car insurance in Nevada is $2,245 per year for a full coverage policy and $187 per year for a minimum coverage policy. However, every driver pays a different rate based on their unique circumstances. Some of the factors that impact car insurance premiums are your age, ZIP code, credit score, claim history and driving record.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.