Category: Insurance

Legal Issues Relating to Auto Insurance in Nevada

First, it’s required by state law to have a minimum amount of auto insurance coverage. If you cause an accident and hurt someone, you have the insurance company to defend you and to pay if it is determined that you were at fault. It’s there for peace of mind in the event you hurt someone. […]

Claims Process for Health Insurance

Typically, with the health insurance claimed by the medical provider of the hospital or doctor, they submit the bill, and you’ll go and get treatment. You will probably get a medical bill from them which explains the services and the cost of the services. You also get an explanation of the benefits (EOB)s, which is […]

Insurance Bad Faith and Homeowners Insurance

Q: If my house burns down, what kind of behavior might constitute insurance bad faith from my fire insurance or homeowner’s insurance? Often insurance companies, after a loss like a house fire, will immediately offer a small sum of money, for example, $5,000 so you can go buy yourself some new clothes and get on […]

Unintentional Insurance Bad Faith

Q: Is there ever an instance where insurance bad faith is not an intentional act, but just the ineptitude of the people who work there? In Nevada, insurance bad faith does not need to be intentional. You don’t need to prove that your insurance company intended to harm you through bad faith conduct. You only […]

Acts that Could Lead to An Insurance Bad Faith Case

There are several actions that an insurance company may do that could support a claim against them for insurance bad faith cases. An insurance company may fail to disclose policy benefits to the detriment of the person who bought the insurance policy. For instance, the insurance company may withhold important information about the policy benefits […]

Initial Settlement Offers from Insurance Companies to Injury Victims

Is it safe to assume that the insurance company is always going to lowball you on their initial settlement offer? From my perspective and experience, most likely. Sometimes, the insurance company knows its driver has the minimal limits of insurance in Nevada, $15,000, and if the injuries and damages are extensive, the insurance company will […]

What if The Insurance Company Is Still Contacting Me After I Hire You?

From the moment I hire you following an accident, what is your role with the insurance company? As your lawyer, I would manage all contact with the insurance company, all communication, and then negotiate with them on the release of the medical records and other information that they need. I would help request the medical […]

Do Independent Contractors Get Insurance Coverage?

Q: How are independent contractors such as delivery drivers covered by insurance? It will vary. You have to look at what the policy says and how it’s written. It always depends on what the insurance policy was purchased for and whether that applies to them. If you’re an independent contractor, there are there are a […]

Injuries in Excess of Insurance Policy Limits

Q: If I have exhausted the limits of the responsible driver’s insurance company, and the limits of my uninsured motorists insurance, and my damages are in excess of both, what can I do? You could look at the at-fault driver’s personal assets and see if they have anything to compensate you. But, if they purchased […]

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