🚗 Accident & Insurance Debt Problems in Clark County, Las Vegas, Henderson, or anywhere in southern Nevada.
🔹 Special Debt.
If you owe a debt due to an accident or problems with your insurance, many people will tell you that you have an insurmountable problem, and this situation can feel overwhelming. If you lose your driving privileges, it may become nearly impossible to find work to support your family or accomplish everyday tasks, such as obtaining groceries, visiting your doctor, or caring for your children. Typically, individuals who struggle with this type of debt problem are already facing financial limitations. Often, the creditors, typically the insurance company acting on behalf of the other party to the accident, have powerful tools to ruin your life. However, you still have rights — and options. At A Fresh Start Law, attorney Dorothy Bunce has the tools and experience to mitigate the repercussions of this complicated situation. Dorothy has many years of experience protecting Nevadans from uninsured accident debts. Whether through Chapter 13 repayment plans, Chapter 7 discharge, or strategic debt negotiation, Dorothy can help you protect what matters most and find a genuine path to relief.
On the flip side, if someone owes you money as a result of an accident—whether it’s from a motor vehicle incident, class action lawsuit, dog bite, slip-and-fall, or even a rare elevator mishap— if you intend to file for bankruptcy, it’s important to seek specialized legal advice. The right to receive money, even if you haven’t received it when your case is filed, is considered to be an asset in your bankruptcy case. If the right to receive this money stems from an event that occurred before you filed for bankruptcy, it may become part of your bankruptcy estate. Bankruptcy trustees can often take years to collect such debts, so it’s crucial to discuss this situation with your attorney.
✨ You Deserve a Fresh Start!
At A Fresh Start Law, we’ve helped hundreds of Nevadans protect what matters most while finding solutions to overwhelming debt. If you’re facing financial problems after an accident or dealing with insurance complications, we can help.
📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback.
😟 When Accidents Create Debt
Not every accident is covered by insurance. With today’s economy, many people:
- 🚘 Use their personal car for gig work, such as driving for Uber, Lyft, DoorDash, or making deliveries.
- 💵 Cut back on their insurance coverage to save money.
- ⏳ Fall behind on premium payments.
Unfortunately, these choices can leave you unprotected. If you cause an accident while uninsured — or underinsured — you may be personally responsible for all damages.
⚠️ Consequences may include:
- Suspension of your driver’s license by the DMV until the damages are paid,
- Lawsuits from other drivers, passengers, or property owners.
- Massive out-of-pocket debt that insurance would typically cover.
Even when you do have proper coverage, some insurance companies delay or deny claims, leaving you stuck waiting for help.
⚖️ How We Can Help
At A Fresh Start Law, we understand the financial stress accidents cause. Depending on your situation, we can help by:
- 💬 Negotiating debt settlements – Reduce what you owe from uninsured accident claims.
- ⚖️ Bankruptcy – Eliminate accident-related debts, stop lawsuits, and reinstate your driver’s license in some cases.
- 🤝 Working with your personal injury lawyer – To protect accident claims you may be entitled to collect
Every case is unique, and Dorothy Bunce will review your circumstances to recommend the best strategy for you.
🧾 Accident Claims & Bankruptcy
If you are waiting for a settlement or award from an accident case, you must list it in your bankruptcy paperwork. The good news is that it may be possible to keep some or even all of this money, depending on the details.
✅ We’ll carefully coordinate with your personal injury lawyer to ensure your claim is handled correctly and protected as much as possible.
💡 Life Insurance Benefits & Bankruptcy
Life insurance policies and payouts are handled differently in bankruptcy:
- 🛡️ Cash surrender value policies – In many cases, these policies will be fully protected.
- 💰 Life insurance payouts – If you’re entitled to benefits due to someone’s death, you usually can keep this money as well.
⚠️ But — timing matters, and money management helps. If you’ve already received a life insurance check, the way you deposit or spend it affects whether it remains protected. Even small mistakes can create big problems.
That’s why expert guidance is critical. With extensive experience, Attorney Dorothy Bunce has helped her clients protect their life insurance benefits while avoiding costly missteps.
🌟 Why Work with A Fresh Start Law?
👩⚖️ Dorothy Bunce has extensive experience resolving debt issues related to accidents, insurance claims, and life insurance benefits.
💬 She has answered over 30,000 debt-related questions online, proving her dedication to educating and protecting clients.
🤝 She’ll guide you through the “landmines” of insurance-related debt with compassion and clarity.
✨ Accidents happen. Insurance companies delay. But you don’t have to face the financial fallout alone.
📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback with Attorney Dorothy Bunce.
🤔 Accident & Insurance Problems – Frequently Asked Questions
🚗 Can bankruptcy clear accident-related debts?
Yes — in many cases. If you caused an accident and don’t have insurance (or not enough insurance), you may be personally liable for the damages. Bankruptcy can often wipe out these debts and even help reinstate your driver’s license. However, debts involving drunk driving or intentional harm typically cannot be eliminated.
🛑 Will my driver’s license be suspended if I can’t pay accident damages?
Yes. The Nevada DMV can suspend your license until you pay damages from an uninsured accident. Filing for bankruptcy may allow you to discharge those debts and potentially restore your driving privileges.
⚖️ What if the insurance company won’t pay my claim?
When an insurance company refuses to pay a claim against you, the consequences are always frustrating. But this is actually a common problem. If you’re waiting on a payout, you must still list the claim in your bankruptcy paperwork. The good news is that, with proper planning, you may be able to protect some or all of the money once it has been paid.
💡 Are life insurance benefits safe in bankruptcy?
Yes — most life insurance policies and payouts are exempt (protected) under Nevada law. However, if you’ve already received a check, the way you deposit or spend it matters. One small mistake could risk losing protection, so always get legal advice before touching those funds.
🛻 What if I used my car for rideshare or delivery work?
Standard auto policies usually exclude gig work. If you were driving for Uber, Lyft, DoorDash, or similar services without special coverage, your insurer may deny the claim — leaving you personally responsible. If this happens, Attorney Dorothy Bunce can help you explore debt relief solutions.
⏳ Should I talk to a bankruptcy lawyer before settling my accident claim?
Yes. The timing of when you file and how your claim is handled can significantly affect your ability to keep the settlement. Attorney Dorothy will also coordinate with your personal injury lawyer to protect your rights and maximize your outcome.
✨ Still have questions? Attorney Dorothy Bunce is familiar with how Nevadans can handle debt from uninsured accidents, denied insurance claims, accident insurance benefits owed to you, and life insurance issues.
📞 Take the First Step Toward a Fresh Start
At A Fresh Start Law, solving debt problems isn’t just part of what we do — it’s our only business. Attorney Dorothy Bunce has over 35 years of experience helping Nevadans like you escape overwhelming debt and rebuild their lives with dignity.
✨ Whether your challenge is credit cards, medical bills, business debts, judgments, foreclosure, or even tax problems, there is a solution. And you don’t have to figure it out alone.
✅ Why Choose A Fresh Start Law?
- 👩⚖️ Experienced Las Vegas bankruptcy & debt attorney since 1979
- 💬 Answered more than 30,000 debt questions online — proving Dorothy’s dedication to clear, helpful advice
- 🤝 Compassionate, judgment-free guidance tailored to your unique situation
- 🌟 Same-day callbacks and free initial consultations
📲 Ready for Relief?
📞 Call us today at (702) 551-3256
💬 Or request a same-day callback from our team
🗓️ Schedule a free, confidential consultation with Attorney Dorothy Bunce
✨ You Deserve a Fresh Start — Let’s make it happen together.