Insurance

What Is Double Indemnity?

Double indemnity is a clause commonly found in life insurance and accident policies. It is a form of life insurance that requires insurance companies to pay up to double the face value of a policy to the beneficiary if the policyholder dies of accidental causes. As a result, grieving families can be provided with a range of benefits after the unexpected loss of a loved one. What Qualifies as an Accidental Death? To qualify for double indemnity...
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Insurance Demand Letter Response Time

Waiting for an insurance company to respond to a demand letter can be stressful. In Nevada, insurance companies are allowed 30 working days to make a decision on a claim after receiving completed proof-of-loss forms. However, there is no law that requires an insurance company to respond to a demand letter, and there are several factors that can delay the amount of time it takes for a response. Best-Case Scenario Hopefully, the insurance company will respond to...
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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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