The Truth About Car Insurance in Las Vegas: Are You Getting the Compensation You Deserve?

Car accidents are stressful enough without having to battle insurance companies for the compensation you rightfully deserve.

Unfortunately, many accident victims in Las Vegas find out the hard way that insurance companies are not on their side.

These companies are businesses first, and their goal is to pay out as little as possible—even if you’re entitled to more.

If you've been in a car accident in Las Vegas, you might think your insurance company—or the at-fault driver's insurance—will cover your medical bills, lost wages, and vehicle repairs fairly. However, the truth is that insurers use sneaky tactics to minimize payouts.

In this blog, we’ll uncover the most common ways insurance companies shortchange accident victims and how hiring a Las Vegas car accident attorney can help you fight for the maximum settlement.

How Insurance Companies Trick You After an Accident

Insurance companies have one goal: profit. The less they pay you, the more they keep for themselves. Here are the most common tactics they use to reduce or deny your claim:

1. Offering a Low ball Settlement Right Away

• Insurance adjusters act fast, offering a quick payout within days of your accident.

• It might seem like a generous offer—but it’s far less than what you deserve.

• Once you accept their offer, you can’t ask for more, even if your injuries get worse.

  
  

2. Downplaying Your Injuries

• The adjuster might say, “Your injuries don’t seem that bad” or “You don’t need all that treatment.”

• They may even argue that your injuries existed before the accident to avoid paying medical bills.

• Without legal representation, they pressure victims into settling for less than the cost of treatment.

  
  

3. Blaming You for the Accident

• If the insurance company can pin even part of the blame on you, they reduce or deny your claim.

• Nevada follows a modified comparative negligence law, meaning if you’re more than 50% at fault, you get nothing.

• Insurance companies use your own words against you—sometimes twisting what you say to shift blame.

  
  

4. Delaying the Claims Process

• Some insurers drag out the process, hoping you'll get desperate and accept less money.

• They may ignore your calls or claim they need more information—stalling until you give up.

  
  

5. Denying Your Claim Without Explanation

• Many victims receive a denial letter without any valid reason.

• Insurers hope you won’t fight back—but a lawyer can challenge wrongful denials.

What Compensation Are You Actually Entitled To?

A car accident can cause more than just property damage—it can lead to serious injuries, lost income, and emotional distress. If the accident wasn’t your fault, you shouldn’t have to pay for someone else’s mistake.

Here’s what fair compensation should include:

✅ Medical Expenses – Hospital bills, physical therapy, surgeries, medications, future medical care.

✅ Lost Wages – Compensation for missed work, reduced earning capacity, or permanent disability.

✅ Pain & Suffering – Physical pain, emotional trauma, PTSD, and long-term suffering.

✅ Property Damage – Vehicle repairs or replacement, rental car costs.

✅ Wrongful Death Damages – If a loved one was killed, families can seek compensation for funeral costs and loss of income.

If an insurance company isn’t offering coverage for all these damages, they are shortchanging you.

How a Las Vegas Car Accident Attorney Fights for Your Rights

You might think you can handle your insurance claim alone, but insurance companies have teams of lawyers working against you. Without legal representation, you’re at a huge disadvantage.

Here’s how a Las Vegas car accident lawyer fights for your rights:

1. Handling the Insurance Companies for You

• Your lawyer communicates with the adjusters, so you don’t have to deal with their tricks.

• They review all offers and reject low ball settlements.

• They stop insurance companies from pressuring you into settling too early.

  
  

2. Gathering Strong Evidence

• Lawyers collect police reports, medical records, and accident scene photos to build a solid case.

• If needed, they bring in accident reconstruction experts to prove the other driver was at fault.

  
  

3. Maximizing Your Compensation

• Experienced attorneys calculate all damages, including future medical expenses and emotional distress.

• They negotiate aggressively to get the highest possible settlement.

• If the insurance company refuses to pay fairly, they take your case to court.

  
  

4. Proving Liability (Even if the Insurance Company Disputes It)

• If the insurer tries to blame you, your lawyer presents evidence that supports your claim.

• Even if you were partially at fault, an attorney fights to reduce your liability so you can still get compensation.

When Should You Hire a Lawyer?

Many accident victims wait too long before calling a lawyer, thinking they can handle the claim themselves.

📌 You should contact an attorney immediately if:

• The insurance company is offering a low settlement.

• You suffered serious injuries that require medical treatment.

• The other driver was uninsured or under insured.

• Your claim has been denied or delayed.

• The insurance company is blaming you for the accident.

Waiting too long to get legal help can hurt your case. The sooner you get a lawyer involved, the stronger your claim will be.

Don’t Let Insurance Companies Take Advantage of You

If you’ve been in a car accident in Las Vegas, you deserve full compensation—not the bare minimum that insurance companies offer.

Don’t fall for their tricks.

At 702 Justice, we know the tactics insurance companies use, and we fight back hard to get our clients every dollar they deserve.

💡 Before speaking to an insurance company, call us first.

📞 Call 702-JUSTICE today for a FREE consultation or visit https://www.702justice.com/ to protect your rights.

⏳ Time is limited—don’t wait to get the compensation you deserve!