Accident Settlement Calculator

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Nevada Car Accident Settlement Calculator

In Nevada, you generally have 2 years to file an injury lawsuit, you recover nothing if more than 50% at fault, and drivers must carry at least $25,000/$50,000 in injury liability. Enter your numbers below to see what a Nevada claim may be worth and what you would actually take home.

1

Your accident

How serious is the injury?
2

Your costs so far

That's all you need for a first estimate. Rough numbers are fine.

Optional: make the estimate more accurate fault, insurance, lawyer fee
3

Fault and future costs

4

Insurance

5

What comes out of it

Nevada rules in 30 seconds

If you were partly at faultYou get nothing if you are more than 50% at fault
Details & exceptions

Nevada uses modified comparative negligence: an injured person can recover as long as their negligence is not greater than the negligence of the parties they are suing (so 50 percent or less), with damages reduced by their percentage of fault. At 51 percent or more, they recover nothing.

Compare fault rules in all states →
Deadline to file a lawsuit2 years from the accident
Details & exceptions

NRS 11.190(4)(e): 2 years for an action to recover damages for injuries to a person or for the death of a person caused by the wrongful act or neglect of another (subject to NRS 11.215 and 11.217). NRS 11.190(3)(c): 3 years for an action for taking, detaining or injuring personal property. Claims against the State or a political subdivision: NRS 41.036 says a tort claim must be filed with the Attorney General (State) or the governing body (political subdivision) within 2 years after the cause of action accrues, but filing that claim is not a condition precedent to suing. Damages against the State, political subdivisions and their employees are capped at $200,000 per claimant, with no punitive damages (NRS 41.035(1)). Statute text read from FindLaw and public.law mirrors because the official leg.state.nv.us site returned 403.

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Other driver's minimum insurance$25,000 per person, $50,000 per accident
Details & exceptions

Property damage minimum: $20,000. NRS 485.185: $25,000 for bodily injury to or death of one person in any one crash, $50,000 for two or more persons (subject to the one-person limit), and $20,000 for injury to or destruction of property of others in any one crash. The 2018-07-01 effective date (raised from 15/30/10) comes from the Nevada Division of Insurance page title 'Higher Minimum Vehicle Liability Requirements' and secondary reporting (Insurance Journal, June 2018); the official page could not be loaded. No 2023 or 2025 bill changing these private-passenger minimums was found. SB 194 (2025, Chapter 81) only requires short-term car lessors to require proof of NRS 485.185 coverage; SB 180 (2025, higher motor-carrier minimums) failed.

Compare minimums in all states →
Who pays your medical billsThe at-fault driver's insuranceSee all no-fault states →
Cap on pain and sufferingNo cap for typical car accident claims
Details & exceptions

No general cap for typical car accident injury claims. No cap on noneconomic damages in ordinary auto injury cases against private defendants. Nevada's noneconomic cap in NRS 41A.035 applies only to actions against a provider of health care based on professional negligence: AB 404 (2023) raised it from $350,000 by $80,000 on January 1 of each year starting 2024 ($590,000 in 2026, $750,000 in 2028), then 2.1 percent a year from 2029. Suits against the State, political subdivisions and their employees are capped at $200,000 per claimant in total damages, with no punitive damages (NRS 41.035(1)). Neither cap applies to an ordinary crash between private parties.

Uninsured motorist coverageOptional
Details & exceptions

NRS 690B.020(1): a motor vehicle liability policy delivered in Nevada must include uninsured motorist (including hit-and-run) coverage unless the named insured rejects it in writing on a form furnished by the insurer; once rejected, it need not be included on renewal unless the named insured requests it in writing. Under 690B.020(2) the coverage must be at least the chapter 485 bodily injury minimums. NRS 687B.145(2): insurers must offer uninsured and underinsured vehicle coverage in an amount equal to the bodily injury limits sold to the insured. Coverage is therefore offered by default but optional for the buyer.

Worked example: a typical Nevada car accident claim

Another driver turned left into you at an intersection in Nevada: $15,000 in medical bills, $5,000 in lost wages and a moderate injury that healed in a few months. The insurer says you were 20% at fault for speeding slightly, the other driver has a $100,000 policy, and your lawyer takes 33%.

  1. Economic damages$20,000Medical bills + expected future treatment + lost wages.
  2. Pain and suffering$20,000 – $40,000Multiplier method: economic damages × 2–3 for a moderate injury, minus the economic part itself.
  3. Total claim value$40,000 – $60,000Economic + pain and suffering.
  4. After your share of fault$32,000 – $48,000Nevada uses modified comparative negligence (51% bar): you recover nothing if you are 51% or more at fault; otherwise recovery is reduced by your 20%.
  5. Limited by available insurance$32,000 – $48,000At-fault policy limit $100,000 + your UM/UIM $0.
  6. Estimated take-home$20,440 – $31,160Minus attorney fee (33%), case costs and medical liens.

You would take home about $25,800 ($20,440 – $31,160), after the 33% fee and $1,000 in case costs.

Typical figures (midpoint of a moderate injury multiplier), no medical liens. Run your own numbersor see the same crash in every state.

How much time do you have to file?

General personal injury deadline only. It can be shorter for claims against a city, county or state agency (often a written notice within months), and longer for minors. Check with a lawyer before relying on it.

Deadline traps in Nevada

The 2-year lawsuit deadline is not the only clock. These are the ones people miss:

Crash with a government vehicle or on a public road2 years (no separate required notice)

You may file an administrative claim with the Attorney General (State) or the city/county governing body within 2 years, but it is not required before suing. The lawsuit itself must be filed within 2 years; damages are capped at $200,000.

NRS 41.036, Presentation of tort claimsNRS 41.035, Limitation on award for damages

If the injured person is a child

The 2-year clock does not run while the child is under 18, so a child usually has until age 20 to sue.

NRS 11.250, Persons under disabilities

How fast a Nevada insurer must respond

Nevada's claim rules require every insurer to acknowledge a claim within 20 working days. The 30-working-day decision and 30-day payment deadlines protect the insurer's own policyholders; third-party claimants get no fixed decision date.

NAC 686A.665, Acknowledgment of claim noticeNAC 686A.675, Standards applicable to all insurers

If an insurer misses these deadlines, you can file a complaint with the state insurance department. Compare all states:insurance claim deadlines by state.

Next steps after a Nevada crash

Frequently asked questions

What is a typical car accident settlement in Nevada?
It depends on the bills, the injury and fault. Worked example: with $15,000 in medical bills, $5,000 in lost wages and a moderate injury, 20% of the fault, a Nevada claim against the other driver is worth about $40,000, and the injured person takes home about $25,800 after a 33% attorney fee and costs. At 51% fault, the same claim pays nothing in Nevada.
Is Nevada an at-fault or no-fault state for car accidents?
Nevada's car insurance system: At-fault (tort).
Is there a cap on pain and suffering in Nevada car accident cases?
No general cap for typical car accident injury claims. No cap on noneconomic damages in ordinary auto injury cases against private defendants. Nevada's noneconomic cap in NRS 41A.035 applies only to actions against a provider of health care based on professional negligence: AB 404 (2023) raised it from $350,000 by $80,000 on January 1 of each year starting 2024 ($590,000 in 2026, $750,000 in 2028), then 2.1 percent a year from 2029. Suits against the State, political subdivisions and their employees are capped at $200,000 per claimant in total damages, with no punitive damages (NRS 41.035(1)). Neither cap applies to an ordinary crash between private parties.
What happens if I was partly at fault for an accident in Nevada?
Nevada follows modified comparative negligence with a 51% bar: you recover nothing if you are 51% or more at fault, and otherwise your recovery is reduced by your percentage of fault.
How long do I have to file a car accident lawsuit in Nevada?
Generally 2 years for personal injury and 3 years for property damage. NRS 11.190(4)(e): 2 years for an action to recover damages for injuries to a person or for the death of a person caused by the wrongful act or neglect of another (subject to NRS 11.215 and 11.217). NRS 11.190(3)(c): 3 years for an action for taking, detaining or injuring personal property. Claims against the State or a political subdivision: NRS 41.036 says a tort claim must be filed with the Attorney General (State) or the governing body (political subdivision) within 2 years after the cause of action accrues, but filing that claim is not a condition precedent to suing. Damages against the State, political subdivisions and their employees are capped at $200,000 per claimant, with no punitive damages (NRS 41.035(1)). Statute text read from FindLaw and public.law mirrors because the official leg.state.nv.us site returned 403.
What is the minimum car insurance in Nevada?
$25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage. NRS 485.185: $25,000 for bodily injury to or death of one person in any one crash, $50,000 for two or more persons (subject to the one-person limit), and $20,000 for injury to or destruction of property of others in any one crash. The 2018-07-01 effective date (raised from 15/30/10) comes from the Nevada Division of Insurance page title 'Higher Minimum Vehicle Liability Requirements' and secondary reporting (Insurance Journal, June 2018); the official page could not be loaded. No 2023 or 2025 bill changing these private-passenger minimums was found. SB 194 (2025, Chapter 81) only requires short-term car lessors to require proof of NRS 485.185 coverage; SB 180 (2025, higher motor-carrier minimums) failed.
What is the deadline to file a claim against the government in Nevada?
2 years (no separate required notice). You may file an administrative claim with the Attorney General (State) or the city/county governing body within 2 years, but it is not required before suing. The lawsuit itself must be filed within 2 years; damages are capped at $200,000.
How long does an insurance company have to respond to a claim in Nevada?
Nevada's claim rules require every insurer to acknowledge a claim within 20 working days. The 30-working-day decision and 30-day payment deadlines protect the insurer's own policyholders; third-party claimants get no fixed decision date.

Related

Official sources