Category Archives: General Interest, Tips


Most business’ have insurance to protect against potential claims against them. Typical business coverage includes property and casualty, commercial general liability insurance (“CGL”), workers’ compensation, professional liability (“E&O”) and commercial automobile insurance. More specialized insurance available includes employment practices liability insurance (“EPLI”) and insurance against patent and trademark infringement. These policies are intended to apply to either basic, known business risks (such as loss of a commercial building or liability from a car accident) or are tailored to specific risks (such as EPLI). But what about business tort claims?  Most business’s have liability insurance. So what is covered?  Most are covered under the CGL portion.

Most Commercial General Liability policies have two types of coverage: Part A and Part B.

Part A provides insurance against two types of injuries: “bodily injury” and “property damage,” but only if arising from an “accident” or “occurrence.” CGL policies protect against claims arising from accidental or fortuitous events called “occurrences.”  The term “bodily injury,” as defined in an insurance policy, includes physical injury to the body.  Coverage does not always apply to non-physical emotional or mental harm caused by an employee of the insured.  A CGL policy covers physical damage caused to the property of third parties by the insured as well.

Coverage Part A only includes actions involving “accidents” or “occurrences,” business torts based on a negligence theory are potentially coverable.  However, business torts arising from intentional acts are typically not covered.   In these situation coverage may exist for negligent misrepresentation, negligently performed faulty workmanship, employment actions sounding in negligence (negligent hiring, negligent retention, negligent supervision) and other negligence causes of action (failure to warn, unsafe premises and negligent procedure).

Different from Coverage Part A, Coverage Part B does not depend on the existence of an “accident” or “occurrence,” so it may cover damages arising from intentional conduct not otherwise excluded. While the insuring clause of Coverage Part A is expressed in general terms, Coverage Part B covers only specific listed acts committed by the insured.  Some examples of such enumerated acts may include false imprisonment, malicious prosecution, wrongful eviction, defamation, invasion of the right to privacy and copyright and trademark infringement.

It is also possible that there may be Coverage under Part B for liability arising from the insured’s “advertising activity.”  “Advertising activity” has been found in cases of TV, radio, newspaper and magazine advertising.   But not all marketing activities constitute “advertising.” There must be a causal connection between the advertising activity and the injury.  The sale of an infringing product by itself is not sufficient to satisfy the causal connection requirement. The infringement must be committed in the advertisement on its face, and not just in the sale of a product, in order to be covered.

Every business owner should review their insurance coverage’s a broker and attorney to determine whether it has sufficient coverage not only for the typical risks that the company may face, but also for the unexpected, claims for business torts that sometimes happen.


Many attorneys and clients think of every tort claim as personal injury action.  But for purposes of insurance coverage, many tort actions arising from an automobile collision, a slip-and-fall, a product liability claim or a defective construction suit are matters of bodily injury and fall under Coverage A of the standard commercial general liability (CGL) policy purchased by most businesses.   Most of the litigation concerns Coverage for bodily injury.   Coverage under Part B usually pertains to personal and advertising injury liability and is often overlooked when seeking coverage under a business policy.

Although obtaining insurance under Coverage B requires more diligence by a policyholder or counsel for defendants seeking coverage, it can provide important protection, including a defense against a plaintiff’s claim.  If one claim in a complaint is possibly covered, the CGL insurer must defend the entire case.  It was this aspect of insurance law that enabled Los Angeles Lakers owner Dr. Jerry Buss to obtain an entire defense of what was largely a business/contract dispute (26 of the claims in the complaint); something ordinarily not covered under a standard form CGL policy. But a 27th claim for defamation implicated the personal injury provisions of the policy, and Buss received a complete defense to the suit (which eventually settled) that involved more than $1 million in counsel fees. The insurer sought reimbursement for the defense costs that did not involve the defamation claim. In Buss v. Superior Court, 939 P.2d 766 (Cal. 1997), the California Supreme Court stated that insurers had this right, provided they could adequately differentiate what was spent defending the respective claims, a position dividing the jurisdictions and rejected by the Supreme Courts of Illinois and Pennsylvania.1 Even if Nevada should eventually follow the Buss approach,2 a policyholder can benefit in this type of situation by at least obtaining an insurer-provided defense and delay its ultimate payment of some portion of counsel fees.

In practicality, it would be difficult to correctly separate attorneys fees spent on a covered claim versus one that is not covered.  Under the California approach, the insurer defending the claim is forced to pay for the entire defense. Thus, a defendant faced with a lawsuit that looks like a commercial dispute without bodily injury or tangible, physical property damage and therefore what looks like no CGL policy show look for an allegation such as trespassing, defamation or misleading advertising claims that could trigger Coverage B.  The policy states that the CGL insurer will pay “those sums that the insured becomes legally obligated to pay” as damages, because of “personal and advertising injury” to which the following applies:


  1. False arrest, detention or imprisonment;
  2. Malicious prosecution;
  3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor;
  4. Oral or written publication, in any manner, of materials that slanders or libels a person or organization or services;
  5. Oral or written publication, in any manner, of material copyright, trade dress or slogan in your advertisement. as a “notice that is broadcast or published to the general public or your goods, products or services for the purpose of attracting customers or supporters.”

It includes notices published on the internet “or on similar electronic means of communication,” but as regards websites, “only that part of a website” that purpose of attracting customers or supporters” is considered an

advertisement.  Unfortunately, the following are examples of the long list of exclusions stating that Coverage B “does not apply to:”

  1. Knowing Violation of the Rights of Another
  2. Material Published With Knowledge of Falsity
  3. Material Published Prior to the Policy Period
  4. Criminal Acts
  5. Contractual Liability
  6. Breach of Contract
  7. Quality Or Performance of Goods–Failure to Conform to Statements
  8. Wrong Description of Prices
  9. Infringement of Copyright, Patent, Trademark or Trade Secret
  10. Insured’s in Media and Internet Type Business
  11. Electronic Chartrooms or Bulletin Boards
  12. Unauthorized Use of Another’s Name Or Product
  13. Pollution
  14. Pollution-Related [Matters]
  15. War
  16. Distribution of Material in Violation of Statutes

These provisions are exclusions that remove otherwise applicable coverages, therefore, the exclusions are construed narrowly and strictly against the insurer.  The insurer will bear the burden of persuasion to show the particular exclusion applies.  When exclusion is unclear and cannot be clarified by the facts, it is resolved against the author/ drafter of the policy, which is generally the insurer.   Many of the listed exclusions have been found by courts to be sufficiently clear most of the time and thus make for a situation in which personal and advertising injury coverage has relatively limited scope and use for policyholders when compared to the more prevalent bodily injury coverage.

A fairly accurate summary is that Coverage B applies where a policyholder is accused of negligently or recklessly disparaging a claimant or defaming a plaintiff (defamation that it not within an exclusion) or misleading advertising (such as causing consumer confusion, or hurting a competitor) that does not involve copyright or patent infringement. The Nevada Supreme Court law on Coverage B is limited. I only know one insurance coverage case regarding “advertising injury,” and that is dicta.    A hand full of District of Nevada federal court opinions mention the term.   The substantive local precedent that exists has tended to support insurer efforts to limit coverage and is adverse to Plaintiffs.   Mention of personal injury in case law is much more extensive, but in these decisions, the court is almost always referring to bodily injury rather than the insurance policy concept of personal injury coverage. When instituting litigation, under a business policy, counsel should always review all the defendant’s liability insurance policies and consider coverage under the obscure concepts of personal injury to ascertain if there is a loss that will be covered for their client.



Resources:  injury-liability-coverage-in-the-cgl-(part-1)



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Las Vegas Driving Debate: Taxis vs. Uber

On those nights when adult beverages are frequently being consumed and nobody feels comfortable getting behind the wheel of a car, taxis have long been used to safely ship passengers to where they need to go. In Las Vegas, taxis have reigned supreme for years because of their ties to the casinos, but a new ride sharing application could be coming for the cabbie’s crown. Find out more information about Uber and why it has Las Vegas residents and the taxi industry buzzing.

taxi cab las vegas

What is ride sharing?

In the era of smart phones and high tech devices, ride sharing has replaced paid transportation services in a number of cities across the country. Ride sharing allows a customer to secure a one-time ride to anywhere they need to go on short notice, simply by pulling up an application on their smart phones. Complete with cleaner cars, lower fares and the ability to change the music during your ride, more people are ditching the days of waving down cabs for hailing a ride with their iPhones. But the city of Las Vegas recently gave the axe to Uber, disabling the app and forcing people to take taxis.

Legality of ride sharing in Las Vegas

A Nevada court recently ruled that Uber and other ride sharing services could no longer provide rides for Las Vegas visitors and citizens. The court determined that Uber should be held to the same strict guidelines that other transportation services face. With a low level of accountability for their drivers and concerns over what can happen if an accident occurs during a ride, the Las Vegas taxi unions have had serious concerns about ride sharing services in the city. After being told that Uber could no longer operate in Las Vegas, the service’s smart phone application was shut down and unable to be utilized for finding a ride.

But this is far from the end for ride sharing services like Uber. With a vow to continue fighting the local taxi unions, Uber has explained to customers that it will return to Southern Nevada when the legal waters are less murky. It remains to be seen whether or not Uber will make a triumphant return to Las Vegas streets, but with ride sharing services continuing to grow in popularity in cities around the nation, the demand is definitely there for alternatives to traditional taxi cabs.

For more information on the future of ride sharing or for a car accident lawyer in Las Vegas, contact Laura Hunt today at (702) 450-4868.

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License Plate Readers in the Las Vegas Valley

For years, law enforcement officials in the Las Vegas valley have used the help of license plate readers to track drivers’ whereabouts. The scanners, which made their debut at the Las Vegas Metro Police Department in January of 2006, have helped officers find stolen vehicles and locate missing people with ease.  But are License Plate Readers (LPR’s) still widely used? Last month, a local news station set out to see if these trackers are still as popular as they were in ’06.

Given their value and effectiveness in locating crime suspects, it may come as a shock that only one police department in the entire valley still relying on the use of LPR’s: Henderson. Other departments, including Nevada Highway Patrol and the Drug Enforcement Agency, have successfully phased LPR’s out of their operations. This shift was partially due to the controversial nature of the scanners themselves.

various license plates

The Cons

Sure the scanners have been integral in locating violent offenders, missing persons and stolen property, but at what cost? Tod Story, the executive director of the American Civil Liberties Union, thinks that LPR’s are a massive violation of drivers’ privacy, especially those who have no reason to be tracked or flagged in the first place. “The License Plate Readers assume everyone is guilty, which is just the opposite of due process.”


The Lone LPR Ranger

The Henderson Police Department, however, has yet to face serious issues stemming from said controversies. According to Capt. Marc Cassell, who reports no problems with the LPR’s, the Henderson Police Department currently uses nine LPR’s in three command areas, which read upwards of 50,000 license plates monthly. The data collected by scanners is kept in the Henderson system for five years, regardless of whether the individual has a criminal history or not.

Aside from finding missing persons or stolen property, license plate scanners could very well be valuable in tracking down hit-and-run suspects, among other road-related incidents that you may need to bring to the attention of a car accident attorney in Las Vegas.

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Road Trip Anthems: 10 Songs to Listen to While on the Road

The proper soundtrack has the power to take any road trip from ordinary to extraordinary. Songs that get you in the mood to cruise and offer a connection to the open road are ideal. Whatever your travel reason may be, there’s nothing like the perfect songs to enhance your journey.

“Fast Car” by Tracy Chapman

Myth buster: This song isn’t actually about a fast car; it’s about a dead-end relationship, and a dead-end situation.  The lyrics inspire making a significant change in your life. “You gotta make a decision, leave tonight or live and die this way” are powerful lyrics that encourage an escape on the open road, and moving on to bigger and better things. Thanks for the extra push, Tracy!


“Tiny Dancer” by Elton John

If this scene in “Almost Famous” doesn’t make you want to jump on a tour bus and drive across the country, nothing will. When “Tiny Dancer” plays on their tour bus, the tension among the band subsides, and camaraderie returns. For the moment, they are reminded of what a miraculous affect music can have on people and they regain the passion for being performers. The going may get rough, but there’s always a silver lining. And how fun is Tiny Dancer to sing along with?! Don’t leave this one off of the playlist.


“Home” by Edward Sharpe and the Magnetic Zeros

Every road trip playlist needs an upbeat, “his and hers” love song and “Home” is the perfect choice. This song will remind you “Home is wherever I’m with you.” Home, then, isn’t an actual place, but rather a state of mind. Who needs a settling point when you’ve got each other?


“Cats In The Cradle” by Ugly Kid Joe

Ugly Kid Joe provides the perfect sing-along tune with “Cats In The Cradle.” Though there’s a sad life lesson it the undertone, it’s still a feel good tune of which everyone seems to know at least a couple lines from.


“Tonight I Have To Leave It” by Shout Out Louds

At the end of your first listen, you will be shouting “Tonight I have to leave it”– “it” being your current surroundings. The song is about wanting something real in life, and that might be exactly what you are looking for while on the road. Include this in your playlist to remind you exactly why yourself set out in the first place.


“Ticket To Ride” by The Beatles

You can’t have a good road trip soundtrack without at least one Beatles hit. “Ticket To Ride” describes a girl who is unhappy with her life and relationship with the narrator, so she literally rides out of his life and starts anew. It is rumored that the “ticket” is a ticket from British Railways and “ride” symbolized the town of Ryde on the Isle of Wight.


“Road to Nowhere” by Talking Heads

A road trip doesn’t necessarily need a destination, just the desire to get up and go. In many cases, having a “Road to Nowhere” is exactly what you need. Allow the Talking Heads to accompany you on your journey…wherever it takes you.


“Like A Rolling Stone” by Bob Dylan

Bob Dylan is the kind of singer that will make you sit back, relax and enjoy the musical journey. This song emphasizes feeling lost and struck by reality. “How does it feel, to be on your own, with no direction home?” Well, Bob, it feels pretty darn good.


“The Passenger” by Iggy Pop

Sometimes it’s nice to let someone else take the driver’s seat for a bit and simply relax in the passenger’s seat. This punk classic will shed some light on how to get the full experience out of your road trip. “I am the passenger and I ride and I ride.”


“You Make My Dreams Come True” by Hall and Oates

The best part of a long car ride is the extended amount of time to jam out. Whether you’re alone or with a group of friends, this classic will have you singing at the top of your lungs—”You-hoo, you, you-hoo, hoo, you, hoo.” And how about John Oates’ mustache? Perfection.


Whether you know where you’re going, or you’re just going until you feel like stopping, these songs will serve as a proper soundtrack. Be sure to take safety precautions while out on the open road. Should you find yourself in an accident and in need of a lawyer’s assistance, give Accident Lawyer Henderson a call.



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The 17 Best American Muscle Cars and the Films that Made Them Famous

Americans have long had a love affair with the automobile. Here we take a look at the most iconic American muscle cars and the movies that made them icons.

1. 1949 Mercury

Film: Rebel Without a Cause, 1955

This movie’s classic car “chicken” scene shows James Deans’ character racing his 1949 Mercury towards a cliff, jumping out of the car just in time. His opponent did not fare as well.

scene from Rebel Without a Cause

2. 1958 Corvette

Film: Hot Rods to Hell, 1967

The orange and yellow Corvette in this movie was a little worse for wear when it made its film debut.

scene from Hot Rods to Hell

3. 1968 Ford Mustang

Film: Bullitt, 1968

Steve McQueen’s detective character goes airborne more than once in his Mustang while chasing through San Francisco’s legendary steep streets.

Ford Mustang from movie Bullitt

4. 1955 Chevy 150

Film: Two-Lane Blacktop, 1971

Beach Boy Dennis Wilson and James Taylor travel on Route 66, stopping to race locals along the way.

Two Lane Blacktop car scene

5. 1970 Dodge Challenger

Vanishing Point, 1971

A car chase that takes place across 4 states uses a Dodge Challenger to escape police, on of the few films to feature a Dodge muscle car.

Vanishing Point car

6. 1958 Chevy Impala

Film: American Graffiti, 1973

Terry “The Toad” Fields looks too cool for school in his Chevy. The films features numerous other classic cars.

scene from American Graffiti

7. Custom Corvette

Film: Cleopatra Jones, 1973

In this classic film, sexy Tamara Dobson drives a custom Corvette, which features a device to raise the roof to prevent her afro from getting messed up.

Cleopatra Jones car chase scene

8. 1977 Pontiac Trans Am

Film: Smokey and the Bandit, 1977

Five Trans Ams were used to make this Burt Reynolds classic.

smokey and the bandit jump

9. 1974 Mount Prospect Doge Monaco

Film: Blues Brothers, 1980

Dan Aykroyd and John Belushi drive a beat-up old cop car to outrace cops in in their Bluesmobile.

Bluesmobile from the movie Blues Brothers

10. Ford Falcon XB GT

Film: The Road Warrior, 1981

In this post-apocalyptic sequel to Mad Max, Mel Gibson drives his hot rod in spite of the fall of civilization and gasoline being an extremely rare commodity.

road warrior ford falcon

11. 1958 Plymouth Fury

Film: Christine, 1983

This cherry red killer car exacts revenge on those who wrong her, and manages to repair itself to perfection after each deadly encounter.

Stephen King Christine

12. Bigfoot #2

Film: Cannonball Run II, 1984

This giant monster truck takes out a Porsche 928 like it’s a speed bump.

Bigfoot Monster Truck Cannon Ball Run

13. 1966 Thunderbird Convertible

Film: Thelma & Louise, 1991

This classic road trip car is the perfect companion to Thelma and Louise’s wild ride to the Grand Canyon.

Car from Thelma and Louise

14. 1968 Dodge Charger

Film: Blade, 1998

This bad ass vampire’s need for speed is satisfied by his black Dodge Charger.

Car from Blade

15. 1967 Dodge Charger

Film: The Dukes of Hazzard, 2005

The General Lee is decked out with a custom orange paint job, and catches enough air to make it seem like it can fly.

Dukes of Hazzard car jump

16. 1976 Chevy Camero

Film: Transformers Franchise, 2007-2011

Disguised as a Camero, the space robot Bumblebee eventually morphs into a newer, sleeker Camero in the subsequent films.

Bumblebee transforms from old camero to new

17. 1966 Ford GT40

Film: Fast Five, 2011

While the Fast and the Furious Franchise has always featured sexy cars at breakneck speeds, this beauty steals the show.

Car from Fast Five


It’s fun to watch these speed demons race on the closed sets of Hollywood, but remember that the stunts in these movies should never be attempted at home. To learn more about driver safety, or to find a car accident lawyer in Las Vegas, contact Laura Hunt at (702) 450-4868 today.

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Avoiding Accidents: The Weirdest Traffic Laws Around the World

The United States prides itself on campaigns, such as no texting while driving. Lessons of the road were learned the hard way long before the invention of cell phones. If it wasn’t for our early ancestors from all around the world testing the roads, we may have never discovered (and got a laugh from) these long-standing outrageous traffic laws.


(1) Denmark

Since horses were some of the earliest forms of transportation, it’s no surprise that Denmark deeply cares for the physical state of these furry transporters. According to law, if a horse-drawn carriage attempts pass you on the road and becomes anxious, it is your legal responsibility to pull over to let the horse pass.

brown horses

(2) Switzerland

In the US, getting your car stolen may lead to an investigation; oftentimes, the car is fortunately found. In Switzerland, if you make the mistake of leaving your keys in your car and then forgetting to lock the doors, you will not receive any sort of reparation for the crime.

car key and pink keychain

(3) The Philippines

In the Philippines, strict laws prevent the compact bumper-to-bumper scenarios seen daily in the U.S. Based on a given number placed on their license plates, Filipino drivers can only drive on certain days of the week!

(4) South Africa

Wildlife is important in South Africa–so important that all animals have the right of way on the roads.

baby zebra and family

(5) Germany

If you’re in Germany, the inconvenience of running out of gas comes with a hefty fine, since it’s illegal to drive your vehicle on empty.

Strict traffic laws, as absurd as they seem, are enacted for a reason: to keep the roads safe. If you’ve been in an accident and need an experienced car accident attorney, contact us for a free consultation today.

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3 Cool Cars We Wish They’d Bring Back

People get nostalgic for lots of different things: black and white movies, full service gas stations, and of course cars. Here are three classics we wish they’d bring back:

1. VW Van

Early 1960s VW van
Photo by Tim Walker
We miss this old hippie stand-by, and so should you. It doubles as a camper and can fit many people. The VW Van was a party on wheels, we just hope they bring that party back soon.

2. Porsche 356 Speedster

Porsche 356 Speedster, 1957
Photo by Stephen Hanafin
We’ve been wanting Porsche to put out a new version of this racing legend for years now. Here’s to hoping they bring back this exquisite sports car by 2020.

3. Chevrolet El Camino

1959 Chevy El Camino 01
Photo by Katherine Tompkins
One of the most iconic muscle cars of all time, the El Camino ruled the streets until the late 80’s. We would love for Chevy to release a new, ramped up version for 2014.

Get your vintage vehicle in a bit of a scrape? You need an accident lawyer. Visit Hunt Law Offices and get your classic joyride back into shape. And leave us a comment: what’s your favorite vintage car?

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4 Cars That Could Get You Through The Zombie Apocalypse

Whether it’s something that could happen or not, they hype around the zombie apocalypse is a pretty big deal. And with movies like World War Z starring Brad Pitt coming out this year, everybody has zombie fever. Hopefully nobody breaks out into flesh eating mode anytime soon.

If the apocalypse came to fruition, what kind of car would you want to be in to save your life? Here are four vehicles that will give you the best chance of survival if a zombie outbreak were to occur.

1. Police Bus

North Yorkshire Police

Photo by Police_Mad_Liam

With the windows blacked out and security already built in, this option is likely a good way to survive the apocalypse. Just don’t leave the door unlocked cause once they’re in this ride, they aren’t getting out.

2. Armed Transporter

Armored Truck

Photo by MoneyBlogNewz

Not only are these vehicles built to survive just about the same as an apocalypse, there won’t be any chances of someone stealing your ride with bullet proof windows, doors and siding.

3. Humvee

FED - U.S. Army Humvee

Photo by Inventorchris

If you want to ride in real style with all the latest gadgets and zombie apocalypse survival gear, the Humvee is the way to go.

4. Bat mobile

Bat Mobile

Photo by NellCR

If you just want to get out of dodge, then the Bat Mobile is the way to do it. But make sure to plan ahead, just getting your hands on one might be harder than you think.

Learn more about safe driving and what to do if you’re in an automobile accident by visiting Hunt Law Offices today.

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2 Cool Cars We Wish Were Real

Do you ever wish you could turn fantasy into reality with the push of a button? So do we. Weren’t we supposed to have jetpacks by now? Flying cars? Robots to do our bidding? Where’s the Blade Runner future we were promised?!

Movie references aside, all (okay, most) adults know you can’t just wish fantasy into reality; you have to plot, plan,  save, and do. Still, here are four cool cars we wish we could abracadabra into existence, like, yesterday.

All Wheels

Who needs storage space? This looks reminiscent of the “cars” from MIB III


Alaska Chic

For your next voyage to the arctic winterlands!


Meanwhile in reality, if you ever find yourself in need of a car accident lawyer, contact the Hunt Law Offices at (702) 450-4868.

Which of these car would you pick if they were real? Share your thoughts below!

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3 Must-Haves to Keep in Your Car for the Next Road Trip

Thinking about your next road trip? Sweet! So, let’s see what you need: a car, wheels, a driver… okay, these things are obvious. But what does the driver need? Good tunes, yes; but man cannot live on tunes alone. Here are three things any serious road-tripper should prepare for the next adventure on the road:

(1) Healthy Snacks

If you’re health-conscious, you don’t want to have to stop at gas stations along the way to load up on junk food. Make sure you plan healthfully. Nuts, fruits, vegetables, and granola will keep you full, energized, and satisfied! Bring a cooler and pack healthy salads, and don’t forget the dressing.

packing snacks for a road trip

(2) Games

Traveling with kids? Make sure you pack games, and err on the side of too many rather than too few. Pack at least three. Kids like options! Just like adults…

(3) Car Emergency Kit

Disaster can strike anywhere; and don’t assume that if you break down, a helpful stranger or highway patrolman will be there to save the day. Make your own emergency kit, stick it in the trunk, and drive safe!

vehicle emergency safety kit

In an accident? Visit the Hunt Law Offices website. And leave a comment with your smart road trip ideas. What do you pack just in case?

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