Category Archives: Insurance Litigation

Information about Insurance Litigation in Nevada from the perspective of a former insurance agent

No Pay, No Play laws in Nevada

A bill was passed by the Nevada Assembly in April 2016 that could have a significant impact on Nevada drivers, particularly uninsured motorists. Lawmakers claim that the No Pay, No Play laws will encourage uninsured drivers to get insurance while lowering insurance rates in the state. Critics believe that the laws unfairly target minority and poor drivers.   What is No Pay, No Play? The No Pay, No Play laws target drivers who were breaking the law when they were involved in an accident and sustained injuries – even if they were not at fault. This includes driving while intoxicated and driving without insurance. It limits the amount of compensation they are entitled to after financial damages such as property and medical costs. They would not be able to collect on other types of payouts like pain and suffering. There are exceptions to the measure. Hit and run crashes, drunk…
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First Party Insurance in Nevada

Vehicle insurance is vital for anyone who owns or drives a car.  While drivers are required by law to carry certain types of insurance, it is still smart to purchase additional coverage. A single car accident could incur thousands of dollars in replacement or repair costs, not to mention medical costs. This is why it is important to understand the types of car insurance policies; Understanding them could be the difference between recovery and financial ruin. What is First Party Insurance vs. Third Party? In simple terms, there are two categories for car insurance: first party insurance and third party liability. The first party is the owner of the policy. The second party is the insurer. The third party is the other person involved in the car accident or property damage claim. Basically, third party refers to any other people who are not the policy owner or their passengers and…
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Dram Shop Laws in Nevada

What are Dram Shops? Over 200 years ago, British pubs selling gin by the “dram” (spoonful) flourished among the working class sections of England. The designation”dram shop” has been a legal term in the U.S. for nearly a century and generally refers to places where alcohol is served. Following repeal of the 18th Amendment in 1933 ending Prohibition, the federal government has since left it up to individual states to decide whether to implement dram shop laws. Dram Shop Laws in the U.S. and Nevada Most states allow people who have been injured in alcohol-related accidents to seek damages from intoxicated drivers responsible for the accident. These same states also permit injured parties to sue bars, nightclubs, convenient stores and any other business that provides alcohol to those found guilty of causing an alcohol-related accident. Only seven states–Delaware, Kansas, Louisiana, Maryland, Nebraska, South Dakota, Virginia and Nevada–do not have “dram…
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