Strategies, Challenges, and Answers

UM / UIM

942544_chevrolet_wreck Nevada law provides that UM coverage must be offered and must include UIM protection.   N.R.S. 687B.145.  UIM protection is excess type coverage rather than reduction type coverage.  Consumer can waive UM coverage but this waiver must be done in writing.  The amount offered must equal the amount of BI liability coverage.  Mid-Century Ins. Co. v. Daniel, 101 Nev. 433; 705 P.2d 156 (1985).

The UIM carrier has no right of subrogation against a driver who has purchased at least the minimum liability limits of coverage.

Michael Mills About Michael Mills

Mr. Mills practices in the area of civil litigation and appeals, with particular experience in matters involving trucking liability, insurance defense, insurance coverage, premises liability, products liability and defense of personal injury. Mr. Mills is a member of the Trucking Insurance Defense Association, the Defense Research Institute Trucking Committee and the Nevada Motor Transport Association. Mr. Mills is licensed to practice before the Nevada Supreme Court and the Utah Supreme Court. He is also licensed to appear before the United States Supreme Court, the U.S. District Courts for the Districts of Nevada and Utah, as well as the U.S. Court of Appeals for the Ninth Circuit. Mr. Mills has created 3 Blogs for the benefit of the insurance industry. He serves as editor and publisher of the Nevada Insurance Law Blog, the Nevada Coverage and Bad Faith Blog and the Nevada Trucking Law Blog.

 
Find Mike Mills on Google+