Category Archives: General Interest, Tips

Top 5 Things to Consider When Hiring a Personal Injury Attorney

Experience – LAURA PAYNE HUNT’S EXPERIENCE and insight is the key difference in knowing how to settle, when to settle and for how much.  If you don’t know what to do next, call The Law Office of Laura Payne Hunt and let us help you get the Medical Treatment and Legal Advice you need and deserve.

 

Accessibility – As a small practice with a consistent staff we are able to treat our clients like friends and family and be there to hear their concerns. My secretary, Peggy has been with me for many years and she is extraordinarily skilled and knowledgeable in the area of personal injury law. At the law offices of Laura Payne Hunt, we take great pride in providing a service that is fading in the world of big law firm‘s big advertising and nationwide organizations. If you are looking for experience, knowledge, personal service and compassionate representation, call our office today

Knowledge of the Law — INSURANCE COMPANIES ARE NEVER ON YOUR SIDE! ATTORNEY LAURA PAYNE HUNT knows this firsthand because she spent years working as defense counsel for one of the leading insurance companies in the nation.    Laura knows what it takes to win.  She uses the insight, knowledge and expertise she acquired while helping THEM save millions to now help YOU recover the maximum personal injury compensation you deserve.

HER focus is protecting your rights so that YOUR focus can be on getting well.

 

Compassionate –insurance companies are cold and corporatized and it is important to have someone who listens to you and understands the pain, inconvenience and emotional distress that you are going through. I take great pride in being available to my clients to listen to what they need and to find specific medical providers that are best for their location, as well as the injuries they have sustained. It is important that you receive the proper care and it is equally important that your property damage is addressed. Many law firms do not assist you with your property damage. However we care about our clients and we see the case through from start to finish. Every case we take will be ready for trial if necessary. Fortunately for clients, only about two percent of cases go to trial but we handle every case as if it is one of those two percent and insurance companies know that.

 

Community Connections –As a lifelong resident of Nevada, professional connections I have built are of great benefit to the clients we represent.  Having grown up in the state of Nevada and the city of Henderson primarily, I have made many friends and have valuable professional connections that help my clients to get the proper medical care that they need as well as to have their vehicle repaired properly with the proper warranties. It takes a village sometimes to handle these matters.   Clients need medical care, vehicle repairs, and rental cars. Having practiced and worked in this city for my entire professional career and having worked for the insurance companies, I have maintain strong professional connections that are of great benefit to the clients we represent. I have been a long time sponsor of Paseo Verde Little League teams and I enjoy being active in our community.

 

 

 

ABOUT LAURA

I knew I wanted to be an attorney from the time I was seven years old. I grew up in Las Vegas and attended Tomiyasu Elementary School and Valley High School. I went to junior high school at Cannon Junior High School and was a product of 6 Grade Center being bused to a different part of town. Henderson is my home and it has been since I was five years old. I take a great deal of pride in what I do and being part of the community.

I went to UNLV undergrad and obtained a degree in Communications with an emphasis is print Journalism.  While attending UNLV I was a writer for the school paper for the entertainment section. I was also an active Disc Jockey at the school radio station KUNV,  playing my alternative favorite alternative beats. To pick up extra cash, I was also a Disc Jockey at the AM radio station where we played a variety of cultural music. Fortunately, my amateur guitar playing skills and love of Diet Coke helped keep me awake during those overnight AM radio jobs.

I went to Oklahoma City University for law school. I graduated from law school Cum Laude. While in law school, I was a member of the legal honor Society a Phi Kappa Phi as well as a participant in the moot court team.  Upon graduating from law school, I took the Nevada bar exam successfully followed by the California bar successfully. I am also admitted to practice law in the state of Texas.

I returned to Las Vegas to start my legal career and clerked for a respected District Court judge. I went on to work for a law firm that handled cases for the insurance companies for a couple of years before I became the managing attorney for a major insurance company’s in-house legal office.

During my time working as an attorney for the insurance company, I learned the ins and outs of this business first hand. I trained insurance adjusters on how to deal with attorneys and had daily interactions with claims adjusters and claims files.  I observed the nature and approach of insurance companies to accident claims and the victims involved.   This experience is invaluable in representing injured people.

I am very passionate about what I do and I take great pride in providing top legal representation for injured people. I never had a desire to be on every billboard in town and be an attorney that brings in 100 files a month.  To do that you need a lot of lawyers churning these files out to pay the massive overhead of advertising and large buildings.  Personal care and attention to clients’ needs can easily be lost in that type of environment.  I prefer to focus on the people who are my clients. I know each of my client’s case personally and I meet with every client personally. When you call my office, I will know your first name, I will know what your case is about. I will know what is going on. That is not the case with many law firms that have a high turnover rate because of low pay and often inexperienced attorneys.

The benefit of retaining a small law firm to handle your case is that you will receive personal service and you will have a relationship with your attorney. I kind of analogize this to the difference between going to a large medical center where you see someone different every time who hasn’t looked at your file and doesn’t know your name, to going to your family doctor who knows who you are remembers your conditions.  The person who is there for you to talk to about your needs. It is a choice that an injured person should make from the start of their search for a lawyer.  Whether a large firm or a small firm is the right choice for you will be very important for your mental well-being during your case.  Dealing with a large firm with constant turn over can be frustrating. THE LAW OFFICE OF LAURA PAYNE HUNT is a boutique law firm providing you with personal and compassionate representation with one goal in mind, the best care and recovery for each of our clients.

 

With over 18 years of experience helping injured people and working for the insurance companies I have a vast amount of knowledge and insight into exactly what insurance companies are looking at when reviewing your claim. Having been a member of this community for so many years, I know many good physicians and practices that provide top medical care for injured people. Connections in the community are vital in helping clients obtain the medical care they need for their specific injuries.

 

AS A SHORT TRIAL JUDGE and frequent Arbitrator, my skill is just as effective in the courtroom as it is in the conference room.  I will passionately and aggressively defend your rights and recovery whether your case settles or goes to trial.

 

If you or a loved one is ever in any type of accident and have questions, please don’t hesitate to contact our offices today.  At my office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.

At the Law Offices of Laura Payne Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Payne Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

What you should know about Marijuana Laws in Nevada

In November 2016, marijuana for medical use and marijuana for recreational use were legalized in the state of Nevada. Users of  recreational must be 21 years of age and older. Adults are permitted to purchase 1 ounce of cannabis or up to 1/8 of an ounce of concentrate at one time. The regulations governing marijuana in Nevada are simple to follow. If you are a marijuana user or someone you love is for any reason, it is very important to know the rules and regulations governing marijuana in the state. It is also extremely important to understand that marijuana is not legal in every state and these rules, restrictions and allowances, are not the same everywhere. In fact although it is on the ballot for next term, marijuana is illegal for use in our sister state of Utah.   The following is a brief overview of the requirements and limitations of using and purchasing marijuana in the state of Nevada.

AGE REQUIREMENTS

You must be 21 and over for recreational use of Marijuana in the state of Nevada.  If you have a valid medical marijuana card, marijuana can be purchased legally in Nevada even if the card has been issued from another state. In some circumstances, minors can qualify for medical marijuana card as long as a parent or guardian signs a release for a minor and agrees to be the child’s primary caregiver.

Limitations on Buying Marijuana

Recreational users are permitted to buy up to 1 ounce of cannabis flower or up to 1/8 of an ounce of concentrate at any one time from dispensers that are permitted to sell recreational marijuana. A tax of 15% is added to every purchase.

For those Nevadans with a medical marijuana card who are 18 years and older, or have a qualified caregiver as referenced above, can purchase up to 2.5 ounces of usable marijuana within a two week period. Usable marijuana is inclusive of flour, edibles, concentrate and topicals. Anything containing cannabis qualifies as usable marijuana. The limit on these purchases is calculated based on the total weight of cannabinoids in a product. If you purchase an edible that has 100 mg, you can purchase the remaining amount in a different form of cannabis which would be about 2.4 ounces.  Just a note, although patients are allowed to shop at multiple dispensaries, the purchases are tracked by the state and you will not be able to purchase additional marijuana at a different dispensary.

Locations to purchase marijuana Nevada

In Nevada and Henderson marijuana dispensaries are open for business and many are licensed for medical patients and recreational users both. Check out the Nevada dispensary directory for a complete list of medical marijuana locations.  In the legislation that was passed, recreational dispensaries are determined by the number of residents in the county. Eighty were allocated to Clark County, twenty were located to Washoe County, four were allocated to Carson county and two additional were allocated to the remaining 14 counties. Most of the dispensaries are in populated areas such as Las Vegas, Reno, and Henderson, Nevada.

 

Store hours for dispensaries

 

Store hours are authorized by local governments and are in operation during and only during their establish time frame. Each dispensary must have store hours clearly posted at all times. Dispensary hours vary based upon the local regulations in place. Las Vegas allows medical dispensaries to be open from 6 AM to 10 PM. In Reno, dispensaries are permitted to stay open as late as midnight.

 

 

Where is use of marijuana legal in Nevada?

 

This is the more complex part of legislation and something that is very important for the consumer to understand. Although cannabis consumption is now legal for private use in Nevada, it is still illegal to smoke marijuana in public, on federal land, or in a motor vehicle. Although some hotels still allow tobacco to be smoked on property, most will not permit marijuana use because of the concern of conflicting with federal and gaming license laws. You may have read in the local paper that there has been talk of opening marijuana resorts on Las Vegas Boulevard in the future. It is my recommendation that you should always keep a low profile when consuming marijuana in Nevada. It is still a violation of federal law.  If a person is caught consuming marijuana in public in the state of Nevada, he or she can be charged with a misdemeanor which is punishable by up to six months in jail or a fine of up to $1000 or both. A judge may also assign community service instead of the fine or jail time. It is important to remember that although marijuana is legal, it is not legal to be used in public in the state of Nevada.

 

 

 

Driving under the influence of marijuana

 

Just as it is illegal to drink and drive, it is illegal to drive under the influence of legal marijuana in the state of Nevada.  Violating the law could result in a fine, community service, or jail time.   An officer can conduct a field sobriety test or other testing if he believes you are driving under the influence of marijuana.

The legal determination for being under the influence of marijuana for driving a vehicle is “If the urine sample shows at least ten nanograms of marijuana per milliliter (or 15 nanograms per milliliter of marijuana metabolite), or the blood test shows two nanograms of marijuana per milliliter (or five nanograms per milliliter of marijuana metabolite), the person will be considered high “per-se”, though this can often be contested in court.

 

 

Taking marijuana in your vehicle

 

If you are taking marijuana in a motor vehicle, it must be stored in a sealed container away from the reach of any driver or minor passenger in the car. If it is in an open container and within reach of the driver or a minor, a fine could be imposed. A severe citation of aggravating circumstances could also be imposed. It is also extremely important to note that it is illegal for a person to take marijuana to another state. Even if that state also has legal marijuana, there are laws maybe different from those in Nevada.

 

It is illegal to send marijuana through the US mail.

 

Marijuana as users must know and understand that marijuana is still illegal at a federal level. United States Postal Service or UPS cannot be used to send marijuana. All mail is subject to search and seizure and both of these agencies use dogs to sniff packages that contain marijuana. If the United States Postal Service or UPS believes a package to be suspicious, they are required to report it to the proper authorities. If there is marijuana in that package and you are found to have sent that package, you could be guilty of transporting marijuana across state lines or other federal crimes.  Never send marijuana in the mail.

 

Use of marijuana by a minor

 

As discussed previously you must be 21 or over to purchase recreational marijuana. A minor must have a valid medical marijuana card and a primary caregiver to purchase the marijuana for him.  If you are a minor attempting to purchase marijuana or marijuana related products, this is a crime which is punishable for a minimum one-year sentence for a first time offense

 

Cultivation of marijuana

 

As part of ballot question which passed in Nevada, growing marijuana at a home is banned if the home is within 25 miles of any dispensary. This regulation effectively blocks most of the population of Nevada from growing their own cannabis flowers.

 

It is important to understand that although the use of marijuana is legal in the state of Nevada, it is not legal to use marijuana and operate a motor vehicle.  Please be safe in the use and consumption of legal marijuana, if you or a loved one is involved in any type of accident with some using marijuana or alcohol, please don’t hesitate to contact our offices today.  At my office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.

At the Law Offices of Laura Payne Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Payne Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

The Laws Relating to Attorneys Fees in Nevada

A CONTINGENT RETAINER AGREEMENT IN NEVADA MUST:

  • Be in Writing
  • Outline Expenses
  • What happens if the Case is Lost
  • Suit not filed to Harass the other side
  • Final Accounting Provision

 

In Nevada, a contingency fee agreement must be in writing and it must be signed by the client. A contingent fee agreement is an agreement where the fee is to be determined by the recovery on the case. The fee agreement must outline the percentage of the attorney fee and whether expenses are to be deducted before or after the contingency fee is calculated.  The average attorney’s fees contingent contract in Nevada vary from 33%-40% based on many years of personal experience. It must also state whether the client is liable for expenses regardless of the outcome of the case including if the case is lost. Expenses include things like obtaining the police report, copies, and medical records, filing fees for court documents, fees for service of process, fees for taking depositions, expert fees and various other expenses associated with litigation.

 

 

State bar of Nevada has rules governing attorney’s fees. Nevada Rule of Professional Conduct 1.5 states which factors are to be considered when determining whether or not a fee for an attorney is reasonable. On matters billed on an hourly rate or on retainer, the fee must reflect the time and labor involved, the difficulty of the legal questions, and the skills required to perform the legal services properly.  It is also to be considered whether the attorney would be conflicted out of other work based upon handling the case of the client. The fee should be determined by reasonable and customary charges in the location in which the services are rendered and the dollar amount involved in the results sought to be obtained.  Another factor  to be considered when determining the reasonableness of a retainer or hourly fee is the nature of the professional relationship with the client and experience, reputation, and ability of the lawyer performing the services.  Nevada Rule of Professional Conduct 1.5 states as follows:

 

Rule 1.5.  Fees.

(a) A lawyer shall not make an agreement for, charge, or collect an unreasonable fee or an unreasonable amount for expenses. The factors to be considered in determining the reasonableness of a fee include the following:

(1) The time and labor required, the novelty and difficulty of the questions involved, and the skill requisite to perform the legal service properly;

(2) The likelihood, if apparent to the client, that the acceptance of the particular employment will preclude other employment by the lawyer;

(3) The fee customarily charged in the locality for similar legal services;

(4) The amount involved and the results obtained;

(5) The time limitations imposed by the client or by the circumstances;

(6) The nature and length of the professional relationship with the client;

(7) The experience, reputation, and ability of the lawyer or lawyers performing the services; and

(8) Whether the fee is fixed or contingent.

(b) The scope of the representation and the basis or rate of the fee and expenses for which the client will be responsible shall be communicated to the client, preferably in writing, before or within a reasonable time after commencing the representation, except when the lawyer will charge a regularly represented client on the same basis or rate. Any changes in the basis or rate of the fee or expenses shall also be communicated to the client.

(c) A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph (d) or other law. A contingent fee agreement shall be in writing, signed by the client, and shall state, in boldface type that is at least as large as the largest type used in the contingent fee agreement:

(1) The method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer in the event of settlement, trial or appeal;

(2) Whether litigation and other expenses are to be deducted from the recovery, and whether such expenses are to be deducted before or after the contingent fee is calculated;

(3) Whether the client is liable for expenses regardless of outcome;

(4) That, in the event of a loss, the client may be liable for the opposing party’s attorney fees, and will be liable for the opposing party’s costs as required by law; and

(5) That a suit brought solely to harass or to coerce a settlement may result in liability for malicious prosecution or abuse of process.

Upon conclusion of a contingent fee matter, the lawyer shall provide the client with a written statement stating the outcome of the matter and, if there is a recovery, showing the remittance to the client and the method of its determination.

(d) A lawyer shall not enter into an arrangement for, charge, or collect:

(1) Any fee in a domestic relations matter, the payment or amount of which is contingent upon the securing of a divorce or upon the amount of alimony or support, or property settlement in lieu thereof; or

(2) A contingent fee for representing a defendant in a criminal case.

(e) A division of a fee between lawyers who are not in the same firm may be made only if:

(1) Reserved;

(2) The client agrees to the arrangement, including the share each lawyer will receive, and the agreement is confirmed in writing; and

(3) The total fee is reasonable.

[Added; effective May 1, 2006.]

 

Generally, there are four basic types of fee arrangements in civil cases:

 

  • Hourly rate– Here, the attorney gets paid an agreed-upon hourly rate for time spent working on all aspects of a client’s case until it is resolved. The hourly rate depends on each attorney’s experience, operating expenses, and the location of his or her practice. In rural areas and small towns, lawyers tend to charge less, and fees in the range of $100 to $200 an hour for an experienced attorney are probably the norm. In major metropolitan areas, the norm is probably closer to $200 to $500 an hour. Lawyers with expertise in specialized areas may charge more.  It is important to consider that cheaper isn’t necessarily better. A more expensive lawyer with a lot of experience may be able to handle a complex problem more quickly in fewer hours. Also, an experienced attorney will be able to better estimate how many lawyer hours a particular matter will take to resolve.

 

  • Flat fee- Where a legal matter is simple and well-defined, lawyers typically charge a flat fee. Examples of flat fee matters include wills, uncontested divorces and simple bankruptcy If an attorney suggests or has advertised a flat fee, be sure you understand exactly what that fee will and will not cover. The flat fee might not include expenses such as filing fees. Flat fees are more common in routine matters such as traffic citations, simple bankruptcy cases, and some criminal matters. Often, a flat fee is negotiated to handle a matter to a certain point and if the matter is not resolved at that time, an additional fee is negotiated.

 

  • Retainer — A retainer typically operates as an advance payment on an attorney’s hourly rate to handle a specific case. The lawyer puts the retainer funds in a special account called a trust account and deducts from that account the cost of services as they are rendered. In retainer fee agreements, the client pays an initial fee to begin representation on a particular case. The lawyer and the client should have a mutual  understanding of exactly what the retainer will be used for and what will be covered by the initial retainer. The attorney is required to place the retainer funds into a trust account. As the attorney does work on the case, he bills the retainer and may pay his fees from the retainer account as the work is completed. If the retainer becomes insufficient, the attorney must ask the client for additional fees to be used to continue to work on the same matter. Conversely,  if funds are unused at the conclusion of the matter, those funds are returned to the client.

 

  • Contingency fee — In certain types of cases, attorneys work on a contingency fee basis. That means the attorney takes no fee from the client up-front, but gets a percentage (typically one-third) of any settlement or money judgment obtained on behalf of the client. Contingency fee arrangements are typical in personal injury lawsuits including auto accident and slip and fall cases. In medical malpractice cases, fees are limited by NRS 7.095.

https://www.lawyers.com/legal-info/research/how-and-how-much-do-lawyers-charge.html

 

If you or a loved one is injured, call our office immediately and we will make sure that you receive the care you need and deserve, and advise on how to preserve evidence.  I take pride in personal representation of every client and spend time going over the retainer personally with every client before signing and answering all questions.  If you have been in any type of accident and have questions, please don’t hesitate to contact our offices today.  At my office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.

At the Law Offices of Laura Payne Hunt, we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Payne Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

KEEP YOUR FAMILY SAFE FROM INJURIES FROM FIREWORKS

MOST COMMON  FIREWORKS INJURIES ARE LISTED BELOW:

 

  • Burns to hands
  • Injuries to the eye
  • Cuts and fractures to the hands
  • Amputations of thumbs and fingers
  • Facial injuries
  • Hearing loss

 

The Fourth of July means celebrations and parties for many Americans. It can also mean injuries from fireworks. Small fireworks and sparklers are the cause of many injuries on this holiday.   It is important to remember that fireworks are not toys and close supervision of all children is a must. Sparklers burn at extremely high temperatures. Fortunately, most fireworks injuries can be prevented.  The following are helpful tips to avoid these six common fireworks injuries, as well as what to do in case an injury does occur. (taken from Healthgrades)

https://www.healthgrades.com/explore/6-common-fireworks-related-injuries?fullPageView=true

  1. Hand Burns

A burned hand or finger is the most common injury from fireworks. A minor burn causes redness and pain. More serious burns cause blisters. The most serious burns cause white leathery skin and damage under the skin. Don’t let children use fireworks. Never pick up a firework that has not gone off. If you do light fireworks, keep water close by in case of fire. Minor burns can be treated by cleaning and over-the-counter pain medicine. All other burns need emergency treatment.

  1. Eye Injuries

Eye injuries from fireworks can range from minor burns to complete loss of vision. An exploding firework sends dangerous particles flying through the air. They can pierce an eyeball. You can get an eye injury by standing too close. Wear protective eyewear if you are handling fireworks. Better yet, go to a fireworks show instead of doing fireworks at home. Stand at least 500 feet away. There is no first aid for a fireworks eye injury. Leave the eye alone and get emergency medical treatment.

  1. Hand Fractures and Lacerations

Besides burns, fireworks can cause severe hand injuries. These include deep cuts, torn tendons, and broken bones. Severe hand injuries require emergency treatment. Before emergency help arrives, a little first aid may help. Take off any jewelry, cover the hand with a clean cloth, put an ice pack on it, and keep the hand raised.

  1. Facial Injuries

Powerful fireworks can cause serious injuries to the face. Besides harming the eyes, fireworks can burn the face. Severe injuries to the face can also include broken bones and loss of facial tissue. To keep from getting hurt, don’t use any type of powerful firework. Never light a fuse with your head bent over the firework. If you do get injured, keep your head at a level above your heart. Put a clean cloth over the injury. Apply an ice pack. Get emergency care as soon as possible.

  1. Amputation

Many severe hand injuries from fireworks cause loss of a finger or thumb. First aid includes cleaning, covering with a clean cloth, applying ice, and keeping the hand raised until you get emergency care. If part of a lost finger can be found, clean it with a saltwater solution. Then wrap it in gauze, put it in a watertight bag and place the bag on ice. Take the finger with you to the emergency room.

  1. Hearing Loss

Very loud noise from fireworks can cause hearing loss. This could be temporary or permanent. Noise is measured in decibels. Noise louder than 85 decibels can cause damage to hearing. A firework going off three feet away can be 150 decibels. Besides loss of hearing, symptoms can include ear pain and ringing in the ears. Stay at least 500 feet from fireworks to prevent hearing loss. First aid includes covering the ears and getting away from the noise. Then make an appointment for an ear and hearing check with your doctor.

At the Law Offices of Laura Hunt, we urge all of our fellow Nevada residents to prevent injuries and have a safe and happy Fourth of July.  The following safety tips can reduce the risk of injuries:

  • Always follow the directions on the fireworks package very carefully;
  • Be sure not to set off fireworks near fire hazards such as tall grass, dry leaves, and other dry debris.
  • Do not try to reignite used or malfunctioning fireworks.
  • Keep a bucket of water nearby for emergency purposes, and soak any used or misfired fireworks before discarding to prevent fires or accidental ignitions.
  • Never allow children use fireworks without adult supervision. Even simple fireworks like sparklers have been known to cause injury
  • Never alter or modify or experiment with homemade fireworks.

In calendar year 2015, the U.S. Consumer Product Safety Commission estimated that there were 11,900 fireworks-related injuries in the United States.  The majority of injuries caused by fireworks are the result of consumers not using them properly. Common mistakes include lighting the fireworks improperly, lighting the fireworks too close to other people, or lighting fireworks while holding them in one’s hand. Even when used properly, fireworks are dangerous explosives that can cause severe injuries. Reported fireworks-related injuries have included loss of eyesight, burns, and lacerations, punctures wounds and even death.

However, often fireworks can malfunction and cause injury.  Improperly manufactured fireworks can explode prematurely before users have made it a safe distance away.  Also, a defective fuse may ignite the explosive powders in the firework in a way the manufacturer did not intend, causing the firework to explode in an unexpected way. Finally, fireworks designed to soar through the air, such as bottle rockets, can take unpredictable flight paths, injuring onlookers or hitting nearby vehicles and buildings.

Fireworks injuries can be catastrophic and an attorney should be contacted immediately.  If injury occurs, it is important to immediately take the following steps:

  1. Immediately take as many photos as possible of the scene, the debris, and  the injury.
  2. Take the name, address and phone number of every person present who witnessed the accident.
  3. Most importantly, keep all remnants of the firework including the packaging and the receipt.

If you are injured by Fireworks, Know your Legal Rights

Whether a spectator at a fireworks show gone wrong or the user of a malfunctioning firework, victims may be able to recover damages for their injuries. Depending on the circumstances of the firework injury, a number of legal theories may apply. It is important to contact an attorney immediately if you have been injured by fireworks.

If you are injured as a spectator, you may be able to hold the person or company setting off the fireworks liable through negligence.  This may include the organizers of the shows such as cities or hotels that may be liable for failing to properly supervise the activity. Although a city’s liability may be limited by state law, entities hiring fireworks companies still have a duty to protect attendee’s from injuries. Cities and hotels and other show organizers can be negligent in fulfilling their duty to supervise and open the door to liability if they are negligence.

        When fireworks malfunction and cause injury, the injured person may be able to recover substantial damages from the manufacturer, the importer of foreign-made fireworks, or the local retail seller. All of these entities have a duty to sell products that function properly.  Under the theory of products liability, they may be liable for any injuries caused by a defective firework. http://injury.findlaw.com/product-liability/fireworks-injuries.html

Over the past decade, thousands of people in the United States have been injured by fireworks.  Aside from 2005, the number of people injured has risen steadily every year.

Estimated Fireworks-Related Injuries: 2000–2015

Year Estimated Injuries Injuries per 100,000 People

2015 11,900 3. 7

2014 10,500 3.3

2013 11,400 3.6

2012 8,700 2.8

2011 9,600 3.1

2010 8,600 2.8

2009 8,800 2.9

2008 7,000 2.3

2007 9,800 3.3

2006 9,200 3.1

2005 10,800 3.7

2004 9,600 3.3

2003 9,300 3.2

2002 8,800 3.1

2001 9,500 3.3

2000 11,000 3.9

Source: NEISS, U.S. Consumer Product Safety Commission. The estimate for 2003 excludes an estimated 150

emergency department-treated injuries following the nightclub fire in West Warwick, RI. Population estimates for 2010 to 2015 are from Table 1. Annual Estimates of the Resident Population for the United States, Regions, States, and Puerto Rico: April 1, 2010 to July 1, 2015 (NST-EST2015-01), U.S. Census Bureau, Population Division. Release Date: December 2015. Population estimates for 2000 to 2009 are from Table 1. Annual Estimates of the Resident Population for the United States, Regions, States, and Puerto Rico: April 1, 2000 to July 1, 2009 (NST-EST2009-01).Population Division, U.S. Census Bureau.

People often mistakingly think that only the illegal fireworks cause injury.  This is a misconception. In fact, according to the U.S. Consumer Product Safety Commission, small fireworks accounted for a substantial number of fireworks related injuries in 2017.

Estimated Fireworks-Related Injuries

By Type of Fireworks Device

June 19–July 19, 2015

Fireworks Device Type Estimated Injuries     Percent (%)

Total 8,000 100

All Firecrackers 1,200 16

Small 500             6

Illegal 200                                                       3

Unspecified 500                                                       6

All Rockets 900 11

Bottle Rockets 800 10

Other Rockets 100 1

All Other Devices 3,700 47

Sparklers 1,900 24

Fountains 100              1

Novelties 300              4

Multiple Tube 400              5

Reloadable Shells 800              9

Roman Candles 300              3

Homemade/Altered 200  3

Public Display 200              3

Unspecified 1,700  21

 

Source: NEISS, U.S. Consumer Product Safety Commission. Based on 208 NEISS emergency department-reported injuries between June 19, 2015 and July 19, 2015, and supplemented by 31 completed In-Depth Investigations (IDIs).

Fireworks types are obtained from the IDI, when available; otherwise, fireworks types are identified from information in victims’ reports to emergency department staffs that were contained in the NEISS narrative. Illegal firecrackers include M-80s, M-1000s, Quarter Sticks, and other firecrackers that are banned under the Federal Hazardous

Substances Act (FHSA) (16 C.F.R. § 1500.17). Fireworks that may be illegal under state and local regulations are not listed as illegal, unless they violate the FHSA. Subtotal estimates are presented below the estimates for firework type. Estimates are rounded to the nearest 100 injuries. Estimates may not sum to subtotal or total due to rounding. Percentages are calculated from the actual estimates, and they may not add to subtotals or the total due to rounding.

https://www.cpsc.gov/s3fs-public/Fireworks_Report_2015FINALCLEARED.pdf

Who Is Liable to Pay for Your Medical Bills

Injuries from fireworks can be serious and the medical bills to treat such injuries can be substantial.  Homeowners’ insurance protection liability coverage is often available, but is it extremely important to contact an attorney first to discuss the facts of your case and determine if coverage applies.  If you or a loved one is injured in a firework accident, do not give any statements until you speak with an attorney. Criminal laws and contractual provisions apply in every instance. Liability coverage under a homeowner’s policy can cover the medical expenses, pain and suffering  and property damages. This means that if someone other than you or a family member sustains an injury in your home or on your property, your insurance policy may pay for their medical expenses. Health insurance will cover any injuries you or a family member may have sustained in a firework accident and should be used first.

Your homeowner’s insurance policy may also protect you in the event you are sued for an accident involving fireworks you are lighting which causes injury to a guest or passerby.  For a covered loss, your homeowner’s policy will pay the cost of litigation including attorney’s fees and a judgment, should the person suing you succeed in getting the lawsuit to court. The Insurance Information Institute (III) has found that the typical homeowner’s insurance policy has a liability limit of $100,000. I would advise you to check your policy to make sure you have enough coverage if you typically put on a large fireworks display.  

However, if your state or county has made firework shows illegal in your jurisdiction, and you put on a private show in spite of the law, your insurance company may not be responsible to pay for any damages that you may incur as a result of a firework caused fire or injury. It is important to review your policy for an “illegal acts” exclusion. Because the use of certain fireworks was illegal, you should not have been using them.  Unlike the coverage on your home, the law of negligence would apply to your guests and they would be covered by your policy for your gross negligence in setting off illegal fireworks.

City Of Henderson and Clark County Fireworks Laws

Legal Use of Fireworks in the City of Henderson and Clark County

“Only fireworks labeled as “Safe and Sane” are legal for use on private property for one week of the year, from June 28 until 11:59 p.m. on July 4. Safe and Sane fireworks can only be used on private property and cannot be used on the street or sidewalk, or on public property such as parks, schools, or federal land.

Safe and Sane fireworks are not toys and should not be played with by children. Safe and Sane fireworks can cause major injury to adults and children and are capable of starting large fires, so exercise extreme caution when using Safe and Sane fireworks. “

http://www.cityofhenderson.com/fire/community-programs/fireworks-safety

Illegal Fireworks In the City of Henderson and Clark County

“Fireworks that fly through the air, explode, or rotate on the ground are illegal throughout Clark County, including the City of Henderson. They are deemed unsafe because the fireworks user has no control over where they land, which can potentially cause a fire. Illegal fireworks are usually sold outside Clark County and on the Indian Reservation. Those purchased on the Indian Reservation are expected to be used on the Reservation at a special designated area and should not be transported off the property. Illegal fireworks brought into Clark County can be confiscated, and a person possessing or using them can be cited. The penalty is a $1,000 fine and/or a maximum of six months in jail.

Private use of fireworks of any kind is not allowed on public property, such as those owned by the Bureau of Land Management, US Forest Service, Lake Mead Recreational Area, or City of Henderson parks, trail facilities, streets or sidewalks. Use of fireworks on public property can result in a fine of up to $10,000 and a year in jail as well as the costs associated with resource damage, suppression costs, and injuries. Safe and Sane fireworks are illegal at any time of year other than the week of June 28 until 11:59 p.m. on July 4. “    

http://www.cityofhenderson.com/fire/community-programs/fireworks-safety

If you or a loved one is injured by fireworks, call our office immediately and we will make sure that you receive the care you need and deserve, and advise on how to preserve evidence.  If you have been in any type of accident and have questions, please don’t hesitate to contact our offices today. At my office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities. They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

HOW DO I GET MY CAR FIXED AFTER AN ACCIDENT?

  • If you do not use your own car insurance to fix your car, you will have to wait for repairs even when its not your fault.
  • Your insurance company will get their money back from the other insurance company for the repairs to your car if the accident is not your fault.
  • Call your own insurance company after an accident.
  • The Hunt Law Offices handles your property damage claim, many personal injury law firms make you handle it yourself.

If you or a loved one is involved in an auto accident, dealing with the injuries and the time off work is difficult enough. https://www.dmv.org/accident-guide/car-accident-faq.php Handling the wrecked car is an additional headache you don’t need.  The NSTSB estimates that as many a 24 million vehicles are damaged in accidents a year. https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/812013

At the Law Offices of Laura Hunt, PC, we handle the property damage for you so you can focus on getting well.  When you are involved in an accident, it is bad enough to deal with the trauma and pain of the injuries associated with a motor vehicle accident. There is also the issue of having your car repaired. At the Law Offices of Laura Hunt, PC we take this issue off your plate. We handle this on your behalf. It is important to note that many personal injury law firms do not handle this part of your claim. They simply advise you to call the adjuster.

This can be a very frustrating process for injured victims who are not familiar with how insurance companies work and what responsibilities are required of them by contract.  When people are involved in motor vehicle accidents, most people do not understand that the at fault driver has no obligation to immediately jump to assist you as far as your vehicle repairs are concerned. Remember, the adverse insurance company is working for the adverse driver. They are in no hurry to get your vehicle repaired. Many people are afraid to call their own insurance company because they believe the rates will go up. This is not the case. http://www.rmiia.org/auto/steering_through_your_auto_policy/Filing_an_Auto_Claim.asp

You should always call your own insurance company and you should always have your vehicle repaired through your own insurance company. The reason this is important is because they have a fiduciary and contractual responsibility to you to get your vehicle repaired properly. At the Law Offices of Laura Hunt, PC, we work with independent body shops that are not tied to the insurance companies that offer lifetime guarantees on the vehicle repairs. Many people also think that they must use an insurance company body shop to obtain such a guarantee.  That is not true.

Again, the other insurance company is representing the other driver and is not on your side. They will even give you misleading information or even false information. At Hunt Law Offices,   we will fight the insurance companies for you from the first day to the last day of your claim. When making a property damage claim, your own insurance company has a statutory obligation to be fair to you. Laura Hunt will make sure that they are fair to you in getting your vehicle repaired. We will make sure your vehicle is repaired at an independent shop that works with all insurance companies and does not receive all of their money from one insurance company. We will also get your deductible back from the other driver quickly, usually before the repairs are completed.

Many people worry that when their insurance company pays any claim it goes on their record and they will be responsible and see a rate increase. Again, if it is not your fault, it will not affect your rates.  Your insurance company will do what is called “subrogate” the money that they paid on your behalf for vehicle repairs against the insurance company of the adverse driver. This means your insurance company will get their money back from the driver that hit you.  The insurance company of the driver that hit you will take their time and often drag their feet “investigating” the claim. They will not make a determination as to who is at fault timely. They are allowed up to 30 days to determine who is at fault. This is often ridiculous as generally it is quite obvious from the start.  This is a way many insurance companies save money and make interest on their money while they are simply not paying claims that they owe.

At the Law Offices of Laura Hunt, we will make sure that your car is not only repaired quickly but is repaired properly and that you receive your deductible back. We also work with body shops that provide you  a lifetime guarantee on the repairs of your vehicle. In addition, we will get you into a rental vehicle to make this process as easy as possible on you.

Some tips that we offer clients when receive their  vehicle back after it has been repaired:

  1. If the damage to your vehicle was anywhere near the trunk area, we advise clients  to take the vehicle to a car wash and spray the trunk down vigorously when they receive it back from the repair shop. It is important to make sure no water is leaking into the trunk. If you wait for it to rain in Las Vegas, it may be a long time and difficult to prove that the leak resulted from the repair and the accident.  
  2. If the auto accident involved any kind of damage to the door frames we advise clients to open and close all the doors many times as well as lock the doors from the inside and outside to make sure that everything is operating properly when the car is repaired.    
  3. If it was a front end collision and the vehicle is not operating properly, call the shop and our office immediately to report the problem.  Call within 5 days of picking up the car.

At the Law Offices of Laura Hunt, our over 15 years of experience has taught us all of the tricks the insurance companies attempt to use to get out of paying legitimate claims. And having worked for a major insurance company for over nine years, I have the knowledge of how the insurance companies think and operate.  For the past 10 years, I have been helping and protecting the rights of people injured in an auto accidents and slip and fall accidents through no fault of their own. Let my many years of experience take this headache off your plate and let you focus on the important things in your life.

If you or a loved one is injured in an auto accident and your vehicle is damaged, call our office immediately and we will make sure that you receive the care you need and deserve and that your vehicle is repaired.  If you have been in an accident and have questions about getting your vehicle repaired, please don’t hesitate to contact our offices today. At my office, we are experienced in helping injured victims get their car repaired quickly.  Insurance companies never have the best interest of the injured person at the top of their priorities. They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

WHAT DO I DO IF I GET INTO AN ACCIDENT AND I DON’T HAVE HEALTH INSURANCE?

  • An attorney can help you get medical care if you have been in an accident with no out of pocket expense to you
  • An attorney can help negociate and reduce medical bills you have incurred from an accident if you do not have health insurance
  • An Attorney can make the adverse driver pay your medical bills from an auto accident that is not your fault.

If you or a loved one is involved in an auto accident and you do not have health insurance, it can be a very scary experience. Of course, if hospital care is necessary you will want to go to emergency room. However, if the injuries are not life-threatening,  it is in your best interest to go to a quick care to be referred to the best course of treatment. Seeking legal representation immediately in this type of situation can help you get the medical care you need for the auto insurance funds that are available.

Many people are not aware that automobile policies are limited and do not provide unlimited medical care to people who are injured through no fault of their own. That is why it is extremely important to make sure you get the right care at the right cost.  And attorney can find out quickly what policies are involved and available for your injuries.  An attorney can maximize the use of those funds to get you the care you need and the recovery you deserve. Hospital bills can be exorbitant, extraordinary and completely unreasonable for non-life-threatening injuries. Without the insurance company provider contract discounts, it can be difficult to negotiate these bills to a reasonable cost.  However, if hospital care is needed,  an attorney can fight for you and take those medical costs from a hospital down to a reasonable figure considering the policy is involved most of the time.

According to the Center for disease control, there are still almost 30,000,000 Americans who do not have any type of health insurance.  

https://www.vox.com/policy-and-politics/2017/9/12/16297660/state-of-american-health-care-5-charts           

An attorney can also assist you in obtaining state aid in the event that you have incurred substantial medical bills as a result of an auto accident and there are not enough auto insurance funds available to cover your  medical bills. By retaining experienced personal injury auto accident attorney Laura Hunt, Esq. you will have access to the network of highly skilled and trained doctors who understand accident injuries. Experienced medical providers understand and  will treat patients knowing that they will wait for payment until after the claim has settled. Doctors are generally accustomed to waiting for payment from insurers. Most doctors who will treat auto accident patients without health insurance require an attorney lien to provide treatment.   At the law offices of Laura Hunt, PC. we work with a vast and experienced network of medical providers who can immediately treat you for your injuries at no out-of-pocket cost to you.

If you or a loved one is injured in an auto accident and do not have health insurance, call our office immediately and we will make sure that you receive the care you need and deserve.  If you have been in an accident and have question about getting treatment, please don’t hesitate to contact our offices today. At my office, we are experienced in helping injured victims get the medical care they need quickly.  Insurance companies never have the best interest of the injured person at the top of their priorities. They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

CAN I SUE THE OTHER DRIVER IF THE ACCIDENT IS PART MY FAULT? COMPARATIVE FAULT IN NEVADA.

 

  • Is comparative negligence a bar to receiving damages?
  • What if I am 50% at fault in an accident?
  • Who determines which drivers are at fault and how much?
  • How is fault determined?

 

Nevada follows a comparative fault system of negligence. Comparative negligence is not always a bar to recovering damages.  However, if you are found to be 50% at fault or more in Nevada, you cannot recover any damages. In Nevada if the injured person’s negligence is more than all of the defendants negligence combined or a single defendant, the injured person cannot recover. However, if the injured person’s negligence is less than 50% of the cause of the injury, they can recover their damages on a prorated basis. I will proceed to explain this in detail. This is known as comparative negligence in Nevada this is codified at NRS 41.141, stated as follows:

NRS 41.141  When comparative negligence not bar to recovery; jury instructions; liability of multiple defendants.

1.  In any action to recover damages for death or injury to persons or for injury to property in which comparative negligence is asserted as a defense, the comparative negligence of the plaintiff or the plaintiff’s decedent does not bar a recovery if that negligence was not greater than the negligence or gross negligence of the parties to the action against whom recovery is sought.

2.  In those cases, the judge shall instruct the jury that:

(a) The plaintiff may not recover if the plaintiff’s comparative negligence or that of the plaintiff’s decedent is greater than the negligence of the defendant or the combined negligence of multiple defendants.

(b) If the jury determines the plaintiff is entitled to recover, it shall return:

(1) By general verdict the total amount of damages the plaintiff would be entitled to recover without regard to the plaintiff’s comparative negligence; and

(2) A special verdict indicating the percentage of negligence attributable to each party in the action.

3.  If a defendant in such an action settles with the plaintiff before the entry of judgment, the comparative negligence of that defendant and the amount of the settlement must not thereafter be admitted into evidence nor considered by the jury. The judge shall deduct the amount of the settlement from the net sum otherwise recoverable by the plaintiff pursuant to the general and special verdicts.

4.  Where recovery is allowed against more than one defendant in such an action, except as otherwise provided in subsection 5, each defendant is severally liable to the plaintiff only for that portion of the judgment which represents the percentage of negligence attributable to that defendant.

5.  This section does not affect the joint and several liability, if any, of the defendants in an action based upon:

(a) Strict liability;

(b) An intentional tort;

(c) The emission, disposal or spillage of a toxic or hazardous substance;

(d) The concerted acts of the defendants; or

(e) An injury to any person or property resulting from a product which is manufactured, distributed, sold or used in this State.

6.  As used in this section:

(a) “Concerted acts of the defendants” does not include negligent acts committed by providers of health care while working together to provide treatment to a patient.

(b) “Provider of health care” has the meaning ascribed to it in NRS 629.031.

(Added to NRS by 1973, 1722; A 1979, 1356; 1987, 1697; 1989, 72)

https://www.leg.state.nv.us/NRS/NRS-041.html#NRS041Sec141

In any lawsuit against a defendant for damages for death or injury to a person or injury to property, where two or more persons can be at fault,  doctrine of comparative negligence is invoked. Comparative negligence means the negligence of a plaintiff in his own injury. In Nevada, if a plaintiff’s  negligence was not greater than the negligence of the defendant, the plaintiff can still recover his damages. The court will reduce his damages by his percentage of negligence. A simpler way to understand this is by example.

Example:

Plaintiff and defendant are both driving eastbound on a roadway and defendant is substantially exceeding the speed limit.   Plaintiff then changes lanes in front defendant and the defendant then strikes the plaintiff’s vehicle. Both parties will likely have some fault for the accident. The plaintiff will have fault for an improper lane change and defendant will have fault for speeding. It is for a factfinder to determine the percentage of each parties fault. If it is found the defendant is 51% at fault for grossly exceeding the speed limit, and plaintive is then 49% at fault for improperly changing lanes, the plaintiff can recover 51% of his damages against the defendant However, if the jury were to find plaintiff to be 51% at fault for causing the accident, he would not recover because his own would be greater than the fault of the defendant.

Comparative fault of the respective parties is a factual decision to be determined by all of the evidence collected and preserved.  Nevada revised statute, NRS 41.141, as stated above, gives a jury guidance for determining the fault of the parties by stating that “the plaintiff may not recover if the plaintiffs comparative negligence or that of the plaintiffs decedent is greater than the negligence of the defendant or the combined negligence of multiple defendants.“ Therefore,  it is always a determination of fact who is more at fault. The only way to make a factual determination is by collecting and preserving evidence and this process should begin as soon as possible. If you have been in an accident, seeking legal counsel early can make the difference as to whether or not you will be able to prove your case. The evidence must  be obtained and preserved to assist in proving what happened in the accident. Evidence like skid marks, Gouge marks in the pavement, data recorders, and police diagrams can often assist in establishing the fault of the parties. For this reason, it is critical to obtain legal counsel early and preserve relevant evidence. If you are involved in an accident, always take as many photos as you can at the scene. This is the easiest way to preserve evidence. Take photos of any marks on the pavement, the location of the vehicles following the accident and take photos of the damage to the cars. Remember that it is always a question of fact when both parties have some fault and it is impossible to make that determination without solid evidence.

https://www.nvbar.org/nvlawmag-archive-957232/NevLawyer_Feb_2010_Comparative_Neg_0.pdf

Many states have different laws regarding comparative fault of the parties. NRS 41.141 applies to all accidents which happen in any county in Nevada including Henderson and Las Vegas. If you have been involved in an auto accident in Henderson or in Las Vegas the comparative law stated above will govern.  The basic premise is that people should pay their share of damages for which they are responsible for and not more. It would be inherently unfair to make a defendant pay 100% of a plaintiff’s damages if the plaintiff was 30% at fault for causing the accident. For this reason, Nevada adopted a rule of law to be fair to plaintiffs and defendants who are involved in accidents or who are negligent causes of injuries to third parties.  

Some states have different variants of comparative fault so if you are involved in an accident in another state, it is important for you to understand the law in that state. Some states follow a strict or pure comparative negligence statute where if a plaintiff is 90% at fault for his injuries, the defendant would pay his 10% share. Nevada does not follow the strict or pure comparative negligence standard.  If a plaintiff was 90% at fault for causing his injuries in the state of Nevada, he or she would take nothing by way of their complaint.

https://www.justia.com/injury/negligence-theory/comparative-contributory-negligence/

If you have been in an accident and have question about fault of the parties, please don’t hesitate to contact our offices today.  At my office, we are experienced in reviewing injury and property damage claims and determining fault. Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

CAN THE INSURANCE COMPANY GET MONEY BACK FROM ME? SUBROGATION IN NEVADA – WHAT DOES IT MEAN TO ME

  • The Insurance company can recover money paid to you by another insurance company in some cases
  • Subrogation means the “right to be paid back.”
  • The insurance company does not have to give me notice they are entitled to be paid back in some cases.  You are deemed to have notice by the policy language
  • It is important to have experienced legal counsel to help you navigate the subrogation issues in any give case.

 

What is Subrogation?

Subrogation means, in legal terms, that an entity or company has the legal right to “step into the shoes” of another party and raise their claim for damages. There has been a trend the past 10 years to limit subrogation rights in many states.  Subrogation rights are exercised by insurance companies against each other and often against their own insureds. The following are some of the ways subrogation may affect you if you are involved in an accident in the state of Nevada. http://clmmag.theclm.org/home/article/anti-subro-laws

Subrogation of Collision Coverage in Nevada

The most common claims that are subrogated by insurance companies are claims for  property damage. When you are involved in an automobile accident, if you carry collision coverage on your vehicle,  your insurance company will pay for damage to your vehicle immediately without regard to fault and without undue delay. If the accident is not your fault they will “subrogate“ all monies they have paid through the adverse driver’s insurance company. This means your insurance company will get paid back for damages they paid on your behalf including rental costs and cost of repair and towing. Often times clients do not want to use their own insurance for fear that it will raise their rates. If you are not at fault for the collision your rates should not be increased. The other insurance company will pay your insurance company back on the subrogation claim. Using your own insurance is beneficial to you because your insurance company has a fiduciary responsibility to treat you fairly and pay all damages to your vehicle or a fair and reasonable total loss settlement. The adverse insurance company does not have this duty to you and their goal is usually to pay and fix as little as possible. In addition, the adverse insurance company has no duty to timely or immediately repair your vehicle and can take weeks to investigate the claim before they even agree to pay your property damage. For this reason, we highly recommend that you carry collision coverage and rental coverage on your vehicle and use your own insurance to have your vehicle repaired when you are in an accident.

Subrogation of Medical Payments Coverage in Nevada

Not all types of claims may be subrogated. In Maxwell vs. Allstate Insurance Co., 102 Nev. 502, 728 P.2d 812 (1986),  https://casetext.com/case/maxwell-v-allstate-ins-co ; the issue before the Court was whether Allstate’s subrogation rights were enforceable against their own insured.   There was a clause in the Allstate medical payments policy called a subrogation clause.  Since Maxwell had recovered from the adverse driver’s insurance policy, Allstate wanted their money back. Maxwell took the position that the medical payments subrogation clause in Allstate’s auto policy violated public policy and  the Nevada Supreme Court agreed and  found that it did violate public policy. http://ag.nv.gov/uploadedFiles/agnvgov/Content/Publications/AGO_2017-11..pdf

Based upon this case, Nevada is within a minority of states that will not allow subrogation of Medical Payments coverage.  The court reasoned that a person is entitled to receive all the insurance coverages that he/she pays for under their policy.   The Court held that it violates public policy to allow an insurer, which was Allstate in this case, to collect a premium for Medical Payments Coverage and then not provide that benefit to the paying insured.

The Court further found that Allstate was required to pay the benefit to which their insured had paid for and could not subrogate or collect this money back from the insured claiming the insured was receiving a “double recovery.”  The Court held that allowing subrogation by the first-party insurer against the insured’s third-party recovery would be a windfall to the first-party carrier.  The court recognized that often time’s injuries to their first-party insured  were serious enough that recovery of both policies would be insufficient to compensate their inured. The court held Allstate’s subrogation clause was void as against public policy. http://nevadainsurancelaw.com/nevada-disallows-subrogation-firstparty-med-pay-carrier-insureds-thirdparty-recovery/

Medical payments coverage, is not fault-based. If you are driving your vehicle and you drive off the road, your med-pay coverage applies even if the accident is your fault.  Medical Payments coverage also pays for the medical bills of every passenger in your vehicle at the time of the accident, regardless of fault. Each passenger has coverage up to your medical payments limits.  If you have $10,000.00 in med-pay coverage, you and all passengers have $10,000.00 each in coverage. In the State of Nevada, there is no right of subrogation for medical payments coverage by the adverse driver.

Health Insurance Companies Rights of Subrogation

If you use health insurance coverage to pay for accident-related medical bills, your health insurance company will most likely have a “Right of Subrogation”.  This means that if you receive money from the adverse driver’s bodily injury liability coverage, you must pay back your health insurance carrier for what they paid out on accident-related medical bills. Some health insurance carriers will require you to sign a Subrogation Agreement before they pay your medical bills. Using health insurance coverage on an auto accident claim is benfeical because of their negotiated rates that you do not get when using medical payments coverage.  However, you can use both and maximize your coverages. You are only obligated to pay back your health insurance carrier what they paid out, not the full amount of your medical bills.

It is also important to note that Med-pay coverage is also not vehicle-specific. This means that it follows you and your family to protect them in any accident involving an automobile. It also applies to auto v. pedestrian accidents and accidents which occur when you are not in your own vehicle.    If you are involved in an accident, and have multiple insurance policies, it is critical to contact legal counsel right away to maximize your benefits. Hospitals are ruthless at going after a Medical Payments policy and then billing you the difference even though they are required to bill your health insurance first.  

Subrogation of Uninsured Motorist Coverage/Underinsured Motorist Coverage Benefits in Nevada

Subrogation also sometimes comes in the form of an Offset.  If you use your med-pay coverage and UNINSURED MOTORIST COVERAGE or UNDERINSURED MOTORIST COVERAGE on the same accident claim, your auto insurance carrier will obtain an offset for med-pay coverage paid by them but only to the extent that they believe there is an excess recovery.  This means that if you have a UNINSURED MOTORIST COVERAGE claim, which has a value of $20,000.00, and your insurance company pays $5,000.00 in med-pay coverage, they will offset the value of your claim by the amount of your med-pay coverage. On a $20,000.00 claim, they will only pay you $15,000.00. This concept of offset was created by Nevada case law. If your claim is worth $25,000, and your carrier pays $5,000 in med-pay benefits on your claim, your carrier will pay you $20,000, if your UNINSURED MOTORIST COVERAGE is above 15/30. It is important to point out that offset is subtracted from the value of your UNINSURED MOTORIST COVERAGE claim, and not simply from your UNINSURED MOTORIST COVERAGE limits. Offset also applies to UNDERINSURED  MOTORIST COVERAGE claims. On UNDERINSURED MOTORIST COVERAGE claims, your carrier also gets a reduction for the adverse driver’s BI limits and offset for med-pay benefits paid from the value of your claim. https://law.justia.com/cases/nevada/supreme-court/1996/26854-1.html

If you have been in an accident and have question please don’t hesitate to contact our offices today.  At my office, we are experienced in reviewing injury and property damage claims and coverages and all policies involved.  Insurance companies never have the best interest of the injured person at the top of their priorities. They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

HOW A VERBAL RELEASE WITH AN INSURANCE COMPANY CAN BE BINDING – DON’T SAY IT, DON’T SIGN IT!

 

  • If you have been in an Accident, Do not verbally Discuss your injury claim with the Other Driver’s Insurance Company
  • Do not give a recorded statement to the other driver’s insurance company
  • If you have any pain, see a medical provider right away.  
  • Do not sign any documents given to you by an insurance company with a lawyers review.
  • Always remember the other driver’s insurance company works for them, not you

 

Laura Hunt AttorneyWhen people are involved in an auto accident, the adverse insurance company will often call them like a vulture lying in wait within a day — sometimes even hours of the accident and try to record your words or coerce you into a settlement. As an attorney working in the field for many years, I have seen and heard clients advise me of statements insurance adjusters have made that both shock my conscience and violate countless laws. However, that does not stop them from providing you with information that is incorrect in an attempt to discourage you from getting attorney to advise you of your rights.

That was exactly what happened in the case of window of Windell Gilbert vs. Cherish Fitz from the Court of Appeals in the Fifth District of Texas at Dallas, Case 05-16-00218-CV.  https://law.justia.com/cases/texas/fifth-court-of-appeals/2016/05-16-00218-cv.html.  In that case, a personal injury victim had attempted to deal directly with the insurance adjuster himself. He had given a recorded telephone statement and in the statement he agreed to accept $500 plus reasonable medical expenses from the day of the crash. Hopefully when you are reading this you are shocked knowing that any reasonable person who is injured has bills days, months, and  sometimes years after the accident. However this adjuster manipulated Mr. Gilbert to take only his medical bills from the date of the accident itself and $500. The adjuster documented the oral agreement in the telephone statement.

The insurance company immediately then sent a letter to the victim Mr. Gilbert with a check for $500 which contained release language on the check itself. The victim in that case, Mr. Gilbert, never even cashed the check because he subsequently hired an attorney who advised him not to cash the check. The attorney filed a lawsuit on behalf of Mr. Gilbert and the insurance company counter claimed for breach of the settlement agreement they had reached on the phone.   Sadly, in the end, the insurance company won and the victim was ordered to pay $10,000 in attorney’s fees to the insurance company. Although it is shocking and morally reprehensible, this is the type of conduct that the insurance companies get away with. That is why if you are involved in an auto accident it is in your best interest to contact an attorney to protect your rights immediately.

If you are in an auto accident, you are entitle for your reasonable medical bills for all care regardless of the time that it takes that is related to the accident.  You are entitled to necessary medical car until you have recovered from your injuries. You are entitled to your time off work, you are entitled to receive money for your disability and for your pain and suffering.   As is evident from the Gilbert case and the Fifth circuit Court of Appeals ruling affirming the insurance company’s verbal settlement, you will have the weight and power of a giant insurance company against you and sometimes even the courts. To protect you and your family you need the weight of an experienced attorney behind you to prevent being taken advantage of by ruthless insurance companies such as the carrier in this case who took advantage of Mr. Gilbert.

Nevada provides some protection in these cases, but the same result as Mr. Gilbert can occur in Nevada under the right conditions.  Under NRS 111.220, an agreement involving promises to take on the responsibility for debts of another are void if they are not in writing, among other types of contracts.   However, it is necessary to understand that if these types of agreements are not in writing, they could possibly be enforceable if there is written evidence of consideration meaning usually money paid. As in the case of Mr. Gilbert.

The case of  May vs. Anderson,  (119 P.3d 1254 (2005)),  https://law.justia.com/cases/nevada/supreme-court/2005/42204-1.html , involved a claim in which an auto accident occurred and all parties obtained counsel. It should be noted that, sadly, this automobile accident resulted in one fatality and several very serious injuries. The parties believe they had reached a settlement agreement and counsel for one of the injured victims sent a letter outlining the terms of the proposed settlement between the victims.  Some of the injured parties signed the settlement agreement and the estate for the deceased victim did not sign the settlement agreement. The District Court found that there was a binding settlement based upon the oral conversations of the parties even though no release was signed. The Nevada Supreme Court stated that:

[1] Basic contract principles require, for an enforceable contract, an offer and acceptance, meeting of the minds, and consideration.[2] With respect to contract formation, preliminary negotiations do not constitute a binding contract unless the parties have agreed to all material terms.[3] A valid contract cannot exist when material terms are lacking or are insufficiently certain and definite.[4] A contract can be formed, however, when the parties have agreed to the material terms, even though the contract’s exact language is not finalized until later.[5] In the case of a settlement agreement, a court cannot compel compliance when material terms remain uncertain.[6] The court must be able to ascertain what is required of the respective parties.[7]Contract interpretation is subject to a de novo standard of review.[8] However, the question of whether a contract exists is one of fact, requiring this court to defer to the district court’s findings unless they are clearly erroneous or not based on substantial evidence.[9]There is little doubt that release terms are generally thought to be material to any settlement agreement.[10]

The Court ultimately held, and agreeing with other jurisdictions, that;

An enforceable settlement agreement cannot exist when the parties have not agreed to the essential terms of the release because these provisions constitute material terms of the settlement contract. Releases terms are not mere formality. They are an important reason why a party enters into a settlement agreement. If the prevention of future litigation is one of the primary goals of settlement, the essential terms of the release needed to achieve that goal or material to the settlement agreement.“

Although this language seems favorable to accident victims, the court in May held that an enforceable settlement agreement existed despite the fact that he release had not been signed by the parties. The state of the deceased victim did not want to execute a release for fear that additional charge or liable parties could be found. This was the reason they could not come to terms on the final agreement. However, the court found that they had agreed upon enough of the terms that a  binding enforceable settlement did exist even without signature and therefore, the court enforced the settlement agreement against the estate. The law in this area is very confusing and it is very fact specific. For that reason, the best advice that I can be given is to not speak to the insurance company that is against you at any time following the accident. Contact attorney immediately to protect your rights and prevent the insurance company from manipulating you into a settlement agreement.

The result in this case was not favorable to the injured party.  In general, the answer to whether a settlement must be in writing is no.  For that reason, if you have been in an accident, do not verbally discuss your injury claim with the other driver’s insurance company. Always remember the other driver’s insurance company works for them, not you, and they only want to pay as little as possible.

If you have been in an accident and have question please don’t hesitate to contact our offices today.  At my office, we are experienced in reviewing injury and property damage claims and coverages. Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.

HOW TO SHOP FOR INSURANCE

 

  • Know what coverages you need to protect your family and property
  • Understand the types of coverages available.
  • When buying insurance, do not simply follow the prompts on the website
  • If you can, purchase your insurance from a reputable agent that will sit down with you and take the time to understand your insurance needs.
  • Compare the costs for the amounts of the difference in coverages you can purchase.
  • The most common coverages are Liability, Collision, Rental, Towing, Med-pay and UM/UIM

 

One of the most frequently asked questions I get from friends and family members as an attorney handling insurance claims is “what kind of insurance do I need?”  In fact, one of the most frequent things we hear from client’s when they come in the offices is, “I have full coverage.” Unfortunately, the term “full coverage” does not mean you have the right coverage or enough coverage.  Having reviewed hundreds of insurance policies over the years, it has become clear to me that most people mistakenly think they are covered for things they are not actually covered for under their policy.

If it is possible, you should go to a reputable and knowledgeable insurance agent who will sit down with you and go over what type of coverage you need to protect yourself and your family when buying insurance.  Insurance Agents are skilled at reviewing coverages and the cost differences to provide you with the peace of mind that you actually have the “right coverage.” If you are able to use an insurance agent, I would highly recommend that you purchase your insurance from an agent.  Understanding the various insurance coverages available can be difficult, and often times a large increase in coverage comes with very little rate increase. There are additional resources on-line to help you understand the different coverages available. https://www.dmv.org/types-of-auto-insurance-coverage.php  . Auto insurance. Org also has some good information at https://www.autoinsurance.org/types-of-auto-insurance-coverage/

It is extremely important to understand what insurance coverages are available when buying auto insurance and what the different coverages mean in the event that you are injured or your property is damaged or you have injured someone else.   Most auto insurance policies are relatively simple to understand if you know the terminology they use. The following are the types of coverages that you will be asked if you buy, whether you are buying online or buying form an agent. Your decisions and the options you chose can be critical to your well-being in the event that you or someone you love on your policy is injured in an accident.

  1. Liability Coverage (often called bodily injury coverage) is what is required by law.   What that means is the amount of money that your insurance company will pay for property damage and bodily injury for the other driver and passengers ( a.k.a. third-parties) in the event you cause an automobile accident. In Nevada, state minimum is 15/30/10 and will be changing to 25/50/20 as of July 1, 2018.  http://doi.nv.gov/Consumers/Automobile_Insurance/Higher_Minimum_Vehicle_Liability_Requirements/Most people do not know what those numbers mean and it is important that you understand the terminology.  When there are three numbers, the first number is the amount your insurance company will pay per person for bodily injury; meaning, they will pay $25,000 per person per accident under the new law. The second number is the amount your insurance company will pay per accident for bodily injury; meaning they will pay $50,000 combined for all persons injured per accident under the new law.  For example if you get into an automobile collision and it is your fault and there’s one person in the other vehicle they can only obtain $25,000 from your insurance company. However, if their damages exceed the $25,000.00, they can collect that overage directly from you.  If they are seriously injured, that could be substantial. If there were two people in the vehicle they could obtain $25,000 each. However, if they were three or more people in that vehicle, the $50,000 would be split between those people if they were injured depending on their degree of injury. In today’s exorbitant world of medical billing, $25,000 does not go very far. The third number is the total amount your insurance company will pay for property damage to the other vehicle or property such as a damaged road signs as a result of the accident. If you purchase a minimum insurance policy you could wind up being personally exposed. Meaning, if there’s not enough insurance coverage to compensate the other drivers’ loss, the other driver could sue you and obtain a judgment against your personal assets to recover their damages. For this reason, it is extremely important to insure yourself and your family as high as you can afford to in order to protect your personal assets. Meaning if you own your home, and you have savings accounts, you want to make sure that you have enough insurance. I often recommended umbrella policy to people which is usually a cost of approximately $20-$30 per month and will protect your assets.  An Umbrella policy provides a higher layer of coverage for your auto, home, boat, etc. on top of your limits, usually in the amount of a million dollars.
  2. Collision Coverage is the second type of coverage and the coverage which most people consider to be “full coverage”. Collision coverage means that repairs to your vehicle will be made in the event that your car is damaged in an accident. If you purchase collision coverage, that coverage will cover damage to your automobile. It is extremely important to know what your deductible is. Often times, changing your deductible from $1000.00 down to $500.00 is as little as $8.00 to $10.00 on your overall premium. It is important that you check what you’re paying for and what you could get for just a little bit more or sometimes little change at all.   Ask the agent to tell the cost differences for different deductibles or coverages. When you go to the store, you can see all the items on the shelf and you can see what all the items cost and their value so you can choose accordingly. If you want to pay fifty cents more for stronger paper towels you can easily make that choice. Unfortunately, with buying insurance, they don’t make it that simple. You have to ask these questions either of the agents or when you’re buying online you need to change the deductibles and change your coverages and see how it affects your premium.
  3. Medical Payments coverage and this can be extraordinarily important for you if you are in an accident.  Medical Payments Coverage is usually a fixed amount anywhere from $1000.00, or $2,000.00, or $5,000.00 on up. It means that your insurance company will pay your medical bills regardless of whether you have health insurance if you are in an automobile accident and you’re injured. Medical payments coverage can be very important because often times you may have large co-pays, especially for ambulance bills, from an accident. Health insurance often will not cover things like physical therapy as much as you need or you may have large deductible on your health insurance policy. Medical payments coverage is generally an inexpensive coverage which will protect you from out of pocket medical expenses if you are in an accident. It’s important to know that even if it is not your fault, it can take months or years to recover money from the other driver. Your medical providers, (hospitals, ambulances, quick cares, etc.) will not wait until the claim is settled to send you to collections. When purchasing insurance always look at what medical payments coverage is available and the cost. If it fits your budget, you should purchase medical payments to protect yourself
  4. UM/UIM is another extremely important coverage that people often drop to save money. This means uninsured or underinsured motorist coverage. Uninsured is self-explanatory, it means that if someone without insurance hits you, you have coverage for your medical bills and injuries. Underinsured coverage means that if someone with a small policy, like the state minimum of $25,000 hits you and you are seriously injured, you can recover against your own policy after the $25,000.00 is paid from the other driver. In the state of Nevada, it is estimated that 15% of all drivers on the road do not have car insurance.  It is extremely important to protect yourself and your assets from reckless and illegal drivers. In the state of Nevada, when you purchase insurance, the insurance company is required to offer you UM/UIM benefits and if you reject the same they must have you sign a waiver. Think carefully before you reject these benefits because if you are in a serious accident these benefits could protect you and your loved ones from undue financial burden.
  5. Towing coverage can be invaluable to you if you are involved in an accident. These are somewhat self-explanatory; however, there are a few tricks. When looking at your towing coverage, always check the amount of miles that they will tow your vehicle. Sometimes they have separate towing packages where they’ll only tow your vehicle 5 -10 miles and then you are at the mercy of the tow truck company for the rest of the bill. It’s often pennies to change the policy to a better towing policy where they will tow you up to 100 miles.  You never know when you are going to get into an accident. AND ALWAYS HAVE YOUR CAR TOWED TO YOUR HOME.  YOU DO NOT WANT TO BE AT THE MERCY OF THE SALVAGE YARD TO HAVE ACCESS TO YOUR VEHICLE.  
  6. Rental Car Coverage — If you drive a large vehicle to take your family places and haul groceries, and you are need of a rental car from an auto accident, most policies will offer you the $20 a day, very basic economy car.  This may not fit your needs, and if it does not, it can be very costly to you to rent a larger vehicle. When purchasing rental insurance you usually have the option of $20-$30 a day or $50 a day in rental coverage. Again, this is generally a very inexpensive change on the policy.  When purchasing rental insurance, check to see if the cost of having a better vehicle in the event that you need a rental car makes sense for your family. Often, it is less than five dollars on the policy.

If you are shopping for automobile insurance and have question please don’t hesitate to contact our offices today.  There are also many online resources that can help you estimate the costs of insurance and what is average. https://www.carinsurance.com/types-of-car-insurance  Remember your driving history will impact your rates. It is important to understand the coverages you are buying and the coverages you need.  https://wallethub.com/edu/med-pay/9255/   At my office, we are experienced in reviewing injury and property damage claims and coverages.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   With extensive experience in the insurance field, I can help you review all of the coverages available in order to maximize the money you receive.

At the Law Offices of Laura Hunt we are here to help you and your family in the event that accidents and tragedies occur. For any of your legal needs, do not hesitate to contact our offices.  The Law Offices of Laura Hunt is a boutique, family owned law firm in Henderson that specializes in helping injured people and the community with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, and all types of injury claims.  Please do not hesitate to call us anytime you have a legal question or you or a loved one has sustained an injury at 702-450-(HUNT) 4868 and text 24/7 at 702-600-0032.