Drivers need to be aware of a new auto insurance law that hurts Nevadans. This new law can prevent someone from getting the full medical coverages they deserve if they were involved in an automotive accident that wasn’t their fault. We’ll be breaking down how the new auto insurance law hurts Nevadans and how to protect yourself.
Breaking Down The New Auto Insurance Law
Nevada Senate Bill No. 435 requires people injured in car crashes to turn over all of their medical information to the at-fault driver’s auto insurance company. If you do not agree to turn over all of your medical information, then the auto insurance company will not provide the policy limits that cover the damages. The Legislative Counsel’s digest Section 4 writes that an injured victim is required “to provide” the auto insurance company “a written authorization to receive all medical reports, records and bills concerning the claim from” the injured person’s “providers of health care.”
How The Law Impacts You?
How does the new auto insurance law hurt Nevadans? When someone doesn’t want to give all of their medical information to an auto insurance company, then the auto insurance company will not provide the coverages. Not providing these monetary coverages can put you into financial hardships. Automotive or motorcycle accidents can leave many seriously injured. Any injuries sustained that need medical treatments or leave you unable to work can possibly be out-of-pocket costs.
An injury lawyer will have to find a company that can look into the insurance company database to find the coverages for a fee. This cost ultimately is paid for by the consumer when the case settles.
How Do I Protect Myself
If you are hurt in a crash and it is not your fault, do you want to give all of your medical records to your primary care physician? Do you want your privacy invaded by an auto insurance company because someone else hurt you in a crash? If not, then consider hiring a personal injury lawyer who can protect your privacy and civil injury rights.
The solution is to ensure your injury attorney provides a medical authorization that limits the ability of the auto insurance to snoop into your medical history. Remember, the insurance companies are like the police, anything you say or do will be used against you.
If you are involved in a car accident that wasn’t your fault then remember these steps to prevent any civil injury rights and privacy invasions.
Assess your own personal health. If you have any severe injuries or feel pain then see a doctor immediately. Be sure to do the same for any passengers that are riding with you as well. Your health should be a priority over any material things. Then, assess any damages to your vehicle or motorcycle.
Call the authorities to help document the accident. Be sure to follow every request from the officer. Move the vehicles or motorcycles involved if the officer requests it. Take any pictures of the damages before moving anything.
The next step is to fill out and request a copy of the police report from the accident. Be sure to recount your steps and write down everything that happened leading to the accident. It is crucial that you remember everything that happened.
Be sure to get everyone’s personal information that was involved in the accident. Even get the officer’s name and badge number. Someone’s personal information includes full legal name, address, phone number and email address.
Lastly, call the insurance companies after the accident. Do this after you have a copy of the police report and notify the insurance company about everything. Be sure to keep calm throughout the accident process. Being level-headed will prevent any future headaches when dealing with any insurance company.
If you are seeking justice or coverage for any injuries sustained in an accident then get help from a Nevada lawyer. They can help with holding others accountable.