The driver who hit you carried the state minimum. Your medical bills are six figures and climbing. The insurance company is telling you the policy limit is the most you can get. That is not always true. When damages exceed policy limits in Nevada, you have options most people do not know exist. Your own underinsured motorist coverage may stack on top of the other driver's policy. If the driver was working at the time, their employer's policy may apply. If they have personal assets or an umbrella policy, those may be reachable. If their insurance lapsed entirely, the case shifts to a direct claim against the driver. This is the part of a case where experience matters. Knowing where to look. Knowing what to push. Knowing when a policy limit is a wall and when it is a door. Summer is the season when insurance lapses spike. Policies expire. People skip renewals. Coverage drops. If you were hit between May and September in Nevada, ask your attorney whether the driver was actually insure...