If you are temporarily out of work due to injuries sustained during a car accident, you’re probably losing wages that you can’t afford to live without. You have bills to pay, but if you aren’t working, those bills will pile up. Having your lost wages covered by your car insurance would help tremendously while you are recovering from your injuries, but not all insurance companies automatically cover lost wages.
At-Fault or No-Fault State
Some states are at-fault states and some are no-fault states. In no-fault states, if you are in an accident, you would look to your own insurance company to compensate you for damages or injuries no matter who caused the accident. In this case, if you are injured, you would be covered under what is called personal injury protection, which would more than likely compensate you for lost wages.
In at-fault states, the insurance company of the person who caused the accident is the one that covers the damages. In an at-fault state, if you are the cause of the accident, your insurance company would pay for the damages and injuries the other person sustained in the accident.
However, your injuries, damages, and medical expenses will not likely be covered by your insurance company. This is something that isn’t always automatically included in the insurance policies in at-fault states unless you have opted for personal injury protection.
If the other driver is at fault for the accident in an at-fault state, their insurance company would cover your injuries, medical expenses, lost wages, and damages up to their policy limit. If the costs exceed their policy limits, you could then sue the other driver to cover the rests of the costs, just as you would if the other driver was uninsured.
If you’re wondering if car insurance in Las Vegas covers lost wages, chances are the answer is “no” unless you have opted in for personal injury protection, as Nevada is an at-fault state.
The best thing way to find out whether your policy covers lost wages is to carefully go over your policy and/or contact with your insurance company to discuss your questions directly with them. Since policies between insurance companies vary greatly, it’s probably a good idea to contact your insurance company and find out for sure what and who your policy covers.Photo courtesy of rhonda_jenkins.