Insurance

What is PIP Coverage and How Does it Work?

Personal injury protection (PIP), also referred to as “no-fault insurance,” pays for medical bills and other accident-related expenses for you and your passengers after a collision. All drivers in Nevada are required to carry a minimum amount of auto insurance, but PIP coverage is optional. What Exactly Does PIP Cover? PIP helps pay for necessary medical expenses and other personal losses up to a certain percentage, regardless of who was at fault. For example: Operations Hospitalizations Ongoing...
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Las Vegas Airbnb Laws

The unique hospitality services offered by Airbnb are very popular for both guests seeking temporary housing in Las Vegas and property owners wanting to make additional income. While most guests have a good experience, it can sometimes go wrong. If you suffer an injury, become ill, or your property is damaged while staying in someone else’s home, it is important to know the laws concerning the company’s and property owner’s liability. Premises Liability Most claims for injury...
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Nevada Subrogation Law

Subrogation refers to an insurance company’s legal right to claim a portion of a policyholder’s personal injury settlement as reimbursement for the benefits they have paid for an injury caused by a third party. The basic idea behind Nevada’s subrogation law is that accident victims cannot be paid twice for the same injury (e.g., by both the insurance company and the negligent party). As a result, subrogation may dramatically reduce the amount of compensation an injured party...
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Is Nevada a No-Fault State?

Nevada is not a no-fault state for auto insurance, but is actually one of the 38 states in the country where the person who causes a car accident must pay for the damage and injuries. When an accident occurs, the police will typically be the determining factor in who’s at fault. In order to collect payment for any losses, victims must file a claim with the at-fault driver’s insurance company. The state requires all drivers to carry...
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Minimum Insurance Coverage In Nevada Has Increased

As of July 1, 2018, the minimum insurance coverage in Nevada will be increased, resulting in a 9% jump in auto insurance rates for one-third of motorists. This change is the first increase in minimum coverage since 1958 and brings Nevada closer in line with other states’ minimum insurance coverage. If you already have more than the new minimum coverages, your premium rates shouldn’t be affected but it’s always best to get several quotes from insurance carriers...
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