FALLS AND THE LAW

THE CRITICAL FACTS OF SLIP AND FALL LAW

  1. Who – Is Responsible?
  2. Where – Did the injury happen?
  3. When – Did the accident occur?
  4. How – Was the Fall Caused?

What is Slip and Fall Law? 

Clients often call our office and ask for a quote “slip and fall” attorney and sometimes their injury is more product liability related or related to other areas of the law such as workers compensation.  The law of “slip and fall” refers to the liability of a property owner to an individual who falls and suffers an injury due to a dangerous condition on their property. It is a part of personal injury law and these cases are governed by basic rules of negligence like many other areas of the law.

There are several things to keep in mind when you are involved in a slip and fall: accident

Who is liable?

If the accident occurs on private property, the state law of the state where the accident happened usually controls.  An exception is if the accident happens on government property, federal law will control. There are a lot of nuances to slip and fall law and it is critical that you retain an attorney immediately. Owners are not automatically liable for injuries to persons who are injured on their property. Violations of local building codes and ordinances can often be relevant when someone is involved in a slip and fall accident.  Even though the legal jargon of “slip and fall” is generally used, this area of law covers any type of accident that happens as a result of an unsafe condition under your foot on an owners premises. It can be a stumble, a twist, an injury from stepping in a hole, uneven footing, or many various movements that can occur to the human body as a result of a defect on an owner’s property. Common causes of slip and falls can include food or debris on the ground, cracks in the surface such as the asphalt on the sidewalk, miscellaneous objects laying about that are trip hazards, snow or ice, broken or missed placed floor tiles, steps that are in violation of code, in disrepair, or uneven, potholes in parking lots, misplaced sprinkler heads, or almost anything that you can think of that causes a trip hazard that is in violation of code or in disrepair on the property.

Although this may seem like an obvious question it is often the most difficult part and slip and fall law.  To determine who is liable it is important to identify the responsible parties immediately. It may be the owner of the premises, it may be a contractor who is working on the premises, it may be a past contractor who created the negligent condition, or any number of factual scenarios to give rise to liability to the responsible party.  That is why it is critical to hire an attorney immediately so that responsible parties can be identified in order to allow them to recover for medical bills and suffering for their injuries. An attorney can find out who was in control or ownership of the accident site, who was a property manager, business owner, landlord, independently insured tenant, or company or person responisble for the maintenance of the premises. In many cases involving slip and fall on private property there can be multiple liable parties or parties that will point the finger at one another as to who had actual control over the premises at the time of the injury.

Often times, if it cannot be determined from the facts, identifying  all of the liable parties is critical. If there is any kind of uncertainty, attorneys will name what is known in the law as “John Doe defendants”. This is a defendant that their negligence or their participation in the events that were the cause of injury is known but there specific identity is not known at the time suit must be filed. Once the responsible party has been brought to light through the litigation and discovery process, the attorney will amend the pleadings to add the name of the known entity to replace the John Doe defendant.  Attorneys can use a lot of different tools to locate all of the responsible parties to recover damages for your injury from a fall type accident.

Falls on Public Property vs Private Property

If you’ve ever been to a park or  any type of government or public facility you may have noticed a trip hazard such as broken sidewalks, overspray from sprinklers, or any number of hazardous conditions. Many states have what is called “Sovereign Immunity.”   In Nevada, our statutes governing this area can be found at section 41 of the Nevada Revised Statutes. There is generally a limitation on damages against the State of Nevada at $100,000. The Cities and State entities will generally refute liability for injuries and if there is a material change in the area you may not be able to prove liability for your injury by the time your case gets to court. An attorney will put the entity on notice immediately and advise  that they cannot change, modify, or alter the location of the injury until the attorney has had the opportunity to have the area inspected by the appropriate expert. The burden lies with you, the injured party to prove the landlord or property owner is liable for the injuries. Many clients are surprised by this fact. I think it is the public perception that when someone falls on private property or public property that they are entitled to recover for your injury. Call our office immediately if you are injured on someone’s premises, including the state.

When did the accident happen?

In Nevada it is critical to understand that you have two years from the date of the slip and fall to bring a claim against the property owner. However, two years is as an extraordinary period of time and you do not have two years to collect the appropriate evidence including  having the site inspected where the accident occurred. Although you legally have two years to bring the claim, you still need certain evidence to win a slip and fall case. That is why it is of critical importance to contact an attorney. Contact the Law Offices Of Laura Payne-Hunt today if you or a loved

 one has been injured in a slip and fall accident. The landowner needs to be identified and notified immediately and advised not to alter the scene until it can be inspected.   You will need the appropriate expert to quickly inspect the scene. This is a critical element in any slip and fall case. If you are injured in a slip and fall accident contact our office today.


Proving the Defendant is Liable and How the Accident Happened

The last piece of the puzzle of a slip and fall claim is to prove how the accident happened and how the landowner is liable. People often think the landowner is automatically liable if they fell on their property. But as mentioned earlier, this is not the case. The plaintive, a.k.a. the injured victim has the duty to prove that the landowner was negligent and that he failed to act in a reasonable manner under the circumstances. An example is when the store creates a hazardous condition such as mopping floors that become wet and slick, it is important that they act reasonably to place signs in the area so that guests know that area needs to be avoided. If the store owner mops the area and fails to put any signs or notices of the hazardous condition, they can be liable for the injuries of an unsuspecting guest who falls. That being said, it is not always that obvious and there may be denial involved by the landlord.  It is upon the victim’s shoulders to prove that the area was mopped before the fall. This is why it’s so important to obtain an attorney. An attorney can file suit, take depositions of employees that were there, obtain surveillance video and immediately notify the landowner not to destroy any evidence such as video and store logs.

When handling a slip and fall claim, an attorney will gather testimony from persons, witnesses or employees that were involved; attorneys can also use subpoenas to obtain documents from the landowner such as employment records to see who was there, surveillance video, store sweep logs to show what actions were taken to maintain store or not maintain the store at certain times and various other evidence to assist injured victims in proving their claim against the landowner.

If you have a question about a slip and fall injury, any injury on someone’s property of any kind and/or any questions regarding any personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

WRONGFUL DEATH CLAIMS

The TOP FIVE WAYS TO PROCTECT YOUR LOVED ONES  WHILE ON THE ROAD

  1. Practice defensive driving. Always use seat belts, use a designated driver, and avoid distractions.  
  2. Recognize the dangers of impaired drivers;
  3. Stay aware of  your teenager’s  driving habits. Visit DriveitHOME.org for resources.
  4. Learn how to use your vehicle’s safety systems. Visit MyCarDoesWhat.org for information.
  5. Fix recalls on your vehicle immediately. Visit ChecktoProtect.org to ensure your vehicle does not have an open recall.

Driving is a dangerous proposition in Las Vegas and at the Law Offices Of Laura Payne-Hunt we feel it is our civic obligation to write blogs to inform the public of dangers on the roadway and things to be careful for. Whether we realize it on a daily basis or not it is actually statistically more dangerous to drive a motor vehicle on our roadways than it is to fly an airplane, travel by train, or travel by water. The nature of driving is inherently  dangerous due to human error and negligence. We have a lot of people on our roadways taking drugs or driving under the influence of alcohol; texting and driving, as well as the regular distractions of conversation, music and distractions on the side of the road. A sad statistic to report is that for the first time since the 1903’s there has been three consecutive  years of at least 40,000 roadway deaths in the United States, according to estimates released Feb. 13 by the National Safety Council. In 2018, an estimated 40,000 people died in car crashes  which is slight decline from 2017 where there were 40,231 deaths and 2016 where there were 40,327 deaths In addition, approximately 4.5 million people were seriously injured in crashes last year .

https://www.nsc.org/road-safety/safety-topics/fatality-estimates

Florida, Hawaii, Minnesota, Nevada, New Hampshire, Oregon, Pennsylvania and Washington, D.C., had at least a 5.8% spike in fatalities, according to Council estimates. Five states experienced declines of more than 9.4%: which were Kansas, Maine, New Jersey, Rhode Island and Wyoming.

Even when the utmost caution is taken by drivers, you are at the mercy of other people on the road who may be much less cautious. When someone’s negligence causes the death of a loved one it is absolutely imperative that you seek legal counsel immediately. Often times,  people will want to negotiate the matter or take it on themselves. Unfortunately , when a death is involved there’s a lot of emotion and there is no emotion on the part of the insurance company. The insurance company will immediately put resources into motion to protect their own insured and their own financial interests. Their interest is steadfastly on the side of the driver causing the death and they will take steps to minimize the tragedy. Even if you think that your loved one had fault in the accident it is imperative that you contact an experienced attorney. . At the Law Offices Of Laura Payne-Hunt we are experienced in looking for manufactures defects, intentional acts, joint and several liability, defects in the roadway, and other negligent areas  for which you are entitled damages for the loss of your loved. 

Car accident sorry leading cause of wrongful death claims and there are several main causes of auto accidents.

Although auto accidents are a common occurrence, fortunately, death claims are not as common. That is why the insurance company will immediately place a large amount of resources in defending the claim as soon as the accident occurs. The most common causes of wrongful death in auto accidents is texting and driving while being distracted,  poor weather conditions, driver fatigue, Street and Highway defects, driving under the influence of drugs or alcohol including prescription drugs, car manufactures defects and inexperienced drivers. An experienced attorney will immediately collect the proper evidence needed under Nevada Law to prove the liability of the at fault party in order to collect compensation for your tragic loss.

Elements of a wrongful death claim

Every state has a specific statute on the books that govern the elements of a wrongful death claims. Although they are similar in many states it is important that your attorney know the specific laws in your state governing a families right to recovery. In Nevada our statute states as follows:

NRS 41.085  Heirs and personal representatives may maintain action.

1.  As used in this section, “heir” means a person who, under the laws of this State, would be entitled to succeed to the separate property of the decedent if the decedent had died intestate. The term does not include a person who is deemed to be a killer of the decedent pursuant to chapter 41B of NRS, and such a person shall be deemed to have predeceased the decedent as set forth in NRS 41B.330.

2.  When the death of any person, whether or not a minor, is caused by the wrongful act or neglect of another, the heirs of the decedent and the personal representatives of the decedent may each maintain an action for damages against the person who caused the death, or if the wrongdoer is dead, against the wrongdoer’s personal representatives, whether the wrongdoer died before or after the death of the person injured by the wrongdoer. If any other person is responsible for the wrongful act or neglect, or if the wrongdoer is employed by another person who is responsible for the wrongdoer’s conduct, the action may be maintained against that other person, or if the other person is dead, against the other person’s personal representatives.

3.  An action brought by the heirs of a decedent pursuant to subsection 2 and the cause of action of that decedent brought or maintained by the decedent’s personal representatives which arose out of the same wrongful act or neglect may be joined.

4.  The heirs may prove their respective damages in the action brought pursuant to subsection 2 and the court or jury may award each person pecuniary damages for the person’s grief or sorrow, loss of probable support, companionship, society, comfort and consortium, and damages for pain, suffering or disfigurement of the decedent. The proceeds of any judgment for damages awarded under this subsection are not liable for any debt of the decedent.

5.  The damages recoverable by the personal representatives of a decedent on behalf of the decedent’s estate include:

(a) Any special damages, such as medical expenses, which the decedent incurred or sustained before the decedent’s death, and funeral expenses; and

(b) Any penalties, including, but not limited to, exemplary or punitive damages, that the decedent would have recovered if the decedent had lived,

Ê but do not include damages for pain, suffering or disfigurement of the decedent. The proceeds of any judgment for damages awarded under this subsection are liable for the debts of the decedent unless exempted by law.

      (Added to NRS by 1979, 458; A 1995, 2667; 1999, 1354)

Who can file a claim

In order to have standing to file a wrongful death lawsuit on behalf of your loved one, you must be an immediate family member such as a spouse, child, or parent of the deceased victim. The personal representative of the estate is who will be named in the lawsuit on behalf of the decedent’s  estate and the family members.

Wrongful death in a car accident

Losing a loved one is a tragedy and losing a loved one to someone’s negligence in an auto accident is an unthinkable loss for every family.  While we cannot bring that person back, we can help ease the financial burden that goes along with the loss of a loved one. If you or someone that you love has lost a loved one due to the negligence of another contact our office immediately. We have over 20 years’ experience helping loved ones and family members recover for the loss of their family.

If you have a question about the wrongful death of a family member or any type of accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 15 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

How Much do Tickets and Accidents Affect my Insurance Rates

Will an auto accident claim that is my fault affect my rates?

The simple answer is yes. Online comparisons of car insurance rates nationwide for 40-year-old drivers with no accidents as compared with those with an at fault accident show higher rates for those who have had a crash that is their fault. The analysis reviewed in the comparison showed that a relatively minor accident resulting in about $5000 worth of property damage and no injuries can raise rates. The study found that auto insurance rates were more than 50% higher for drivers without at fault accidents. The study also found that in 16 states,  average rates were more than a $1000.00 a year higher for drivers who had caused an accident than those who had not.

What type of rate increase can I expect?

Rate increases vary from state to state as well as from carrier to carrier. Like everything else it is important to compare rates with different companies after you’ve had an accident. It is important to be truthful with the carrier when requesting a quote because they will locate the accident in the database even if you do not tell them that you had the accident.  The state with the lowest increase for an out fault accident was found to be Idaho with an average rate increase of $465 for an at fault accident. And sadly, the state with the highest increase for an at fault accident with an average increase of $1200.00 per year for an at fault accident is Nevada.  

Nevada demerit point system

The Nevada  State department of motor vehicles has an extensive demerit points system. When they receive a conviction notice from the court they automatically enter the offense on your driving record. If your driver’s license address is current with the DMV, you will receive a notice when you have a cumulated between three and 11 points. If you received 12 or more demerit points in a 12 month period in the state of Nevada your driver’s license will be automatically suspended for six months. If that occurs you will be mailed a certified letter before your license is suspended and have the right to ask for hearing.   If this happens to you, it will be important for you to retain counsel to represent you at the hearing. At the Law Offices of Laura Payne Hunt, we charge between $750.00 and $1500.00 to represent clients without a DUI at this hearing. The following is the point system in Nevada which shows the number of the merit points the state has assigned for each offense. If you have a commercial driver’s license there are additional for various offenses. The following is a partial list of traffic violations, listing the demerit points that are assigned to your driving record. 

Reckless Driving8Speeding 
Careless Driving61 – 10 mph over posted limit1
Failure to give information or render aid at the scene of an accident611 – 20 mph over posted limit2
Following too closely421 – 30 mph over posted limit3
Failure to yield right-of-way431 – 40 mph over posted limit4
Passing a school bus when signals are flashing441 mph or more over posted limit5
Hand-held cellphone use or texting
  (2nd and subsequent offenses)
4Prima Facie speed violation or driving too fast for the conditions2
Disobeying a traffic signal or stop sign4
Impeding traffic, driving too slowly2
Failure to dim headlights2
https://dmvnv.com/dlpoints.htm

If you receive a suspension of your driver’s license,  you will then be required to get a document called an SR-22 which is a document indicating proof of financial responsibility for the department of motor vehicles to reinstate your license. This is basically proof of insurance. You have to obtain it directly from your insurance company and most major insurers understand what this document is and why it is required. However, most major insurance also understand that you have to obtain this because you are a high-risk driver and you will have rates that reflect the same.  Once your license has been suspended, you are required to maintain an SR-22 for three years from the day that your license is reinstated regardless of how long your license was suspended. It is important to note that the department of motor vehicles will not notify you when you are eligible to remove the SR-22 filing requirement. Therefore, it is important for you to remember what date your license was suspended on so that you will know when it is no longer required for you to obtain that form.

HOW WILL A SIMPLE SPEEDING TICKTET AFFECT YOUR AUTO INSURANCE RATE?

How much a speeding ticket will impact your auto insurance rates will depend on the amount of coverage you have, your overall driving records and how fast you were going.   The studies referenced below of annual average increases may not be the same as your situation. However, studies on this issue can give you an idea of what type of increase to expect if you receive a ticket.  That is why is always best to do traffic school to have the citation reducing to a non-moving violation if the court or court clerk gives the option

A 2018 analysis conducted by The Zebra (The Zebra is an insurance comparison site with headquarters in Austin, Texas. It compares rates from over 200 insurance carriers.) 

www.thezebra.com ‎  The annual average premium without any speeding tickets was found to be $1,427. They found that the increase after a speeding ticket depends on how fast you were driving when you received a ticket:

  • Six to 10 mph over the limit: $281 (a 20 percent increase)
  • 11 to 15 mph over: $298 (a 21 percent increase)
  • 16 to 20 mph over: $329 (a 23 percent increase)
  • 21 to 25 mph over: $348 (a 24 percent increase)
  • Speeding in a 65 mph zone: $401 (a 28 percent increase) 
  • Speeding in a school zone: $293 (a 21 percent increase)

A 2017 study from NerdWallet  reviewed how rate increases are different state to state.   It found the average annual rate increase for a driver who gets a ticket for going six to 10 mph over the limit was any ware between $54.00 and $617.00.  https://www.nerdwallet.com/insurance/compare-car-insurance-rates    However, both studies assumed that this was the driver’s only ticket. If they had other chargeable offenses on their records, the increases may be higher. 

How long does a speeding ticket affect your insurance?

The good news is that insurance companies won’t penalize you for the ticket forever.  Generally, most insurance companies only look back three to five years for minor violations, including speeding tickets, when accessing rates. Once that time is up, your ticket will not impact your insurance rates.  If you are in a situation where you have a ticket that is about to come off your record, this may be a good time for you to shop around for insurance. It may be time for you to obtain a lower rate. 

It is worth noting that the insurance review period for rate increases is different from a state’s point or demerit system, which determine your driving privileges and whether you can keep your driver’s license. While there’s often overlap in which violations can increase your rates and put points on your driving record, these are two different systems. 

If you have a question about  how a ticket or accident will impact your insurance policy or any type of accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 15 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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.

Insuring Teenage Drivers in Nevada

https://www.dmv.ca.gov/portal/dmv/detail/teenweb/more_btn6/traffic/traffic

This article will answer the following questions:

  1. How do I add a teenage driver onto my automobile insurance policy?
  2. What kind of coverage should I get for my teenager?
  3. How much will it cost to insure my teenage driver?
  4. Are parents liable for accidents their kids cause?

It is a rite of passage for all young Americans. Getting your driver’s license is perhaps the most exciting part of growing up. For parents it is a time of apprehension and anxiety about the safety of their children on today’s roadways. Along with the stress of having a new driver, there is a substantial cost involved. When you add a teenage driver to your policy, it raises your rates as most parents are well aware.   Although it is expensive to add your teenage driver, there are factors that can help reduce the cost. Teenage drivers are the most expensive to insure because the fact remains that, statistically speaking, they are the most dangerous drivers on the road and have the highest rates of accidents as compared to with drivers with more experience.   

https://www.cbsnews.com/pictures/deadliest-states-for-teen-drivers
https://www.cdc.gov/motorvehiclesafety/teen_drivers/teendrivers_factsheet.html

Most parents are apprehensive when adding their teenager to the policy. There are steps you should follow when adding a teen driver to your automobile insurance policy.

How to add a teenage driver onto your automobile insurance policy

There are several steps that you can take to make sure that your teenage driver has the appropriate coverage to protect them and yourself  when they begin driving. As discussed below, it is important that you cover your teenager the same way that you cover yourself. In the state of Nevada, parents are liable for the negligence of their children if you signed for them to obtain a driver’s license.

1) The best time to begin the insurance process for your teenage driver is as soon as they get their learners permit. Your insurance company should be able to tell you what the cost will be to add them once they are licensed.  Most insurance companies do not charge for the permitted drivers and therefore you have time to start shopping rates for your new driver.

2) Clients also often inquire as to whether they should get their teenage driver their own insurance policy rather than putting the teenage driver on the parents policy.  I do not recommend for you to put your teenage driver on their own policy for several reasons. First, it is almost always more expensive to insure your teenage driver under their own policy than to put them on your existing policy. Secondly, and most importantly,  your teenage driver needs coverage in the same amounts that you have because you are liable for their negligence if you signed for their learners permit or driver’s license which you did if they are under 18 years old. You cannot get a driver’s license in the state of Nevada without a parental signature if you are a minor under the age of 18. See statute below.

3) Although your automobile policy will generally automatically cover your teen driver without additional charge while they have a learners permit,  you need to check with your insurance company to be certain. At that time, it is important to obtain a rate from your own insurance company as well as other insurance companies before adding your teenage driver.

4) I recommend my clients compare auto insurance rates from at least three major companies for the charge of adding a teenage driver. Although insurance companies provide the same coverages,  their rates are vastly different and you could save a significant amount of money by going with a different carrier. As a general rule, I tell clients to only go with an insurance company they have seen commercials for or have agents in their area.  You coverage is only as good as the company it is from.  

5) Finally, there are discounts to mitigate the cost of adding a teenage driver.  For example, teenagers who get good grades have lower rates as well as those who complete a defensive driving course or online driving school . Therefore,  you want to make sure that your child has good grades, (for many reasons) but also to have reasonable auto insurance rates. If this is not the best way to get your child to get good grades, I am not sure what would be more incentive.

What kind of coverage should I get for my teenager?

Parents often make the mistake of trying to get the cheapest coverage possible for their teenage driver because of the large rate increase of adding a teenager. However,  in the State of Nevada, parents are liable for the negligence of their children if they sign for them to get a driver’s license. Pursuant to NRS 483.300 a parent is liable for the negligence of a minor who obtains a driver’s license that the parents signed for the minor to obtain the license. It is very important to understand that when you’re adding your minor child to your insurance policy or a child that you have guardianship of, if your child is in an accident it is your assets that are at risk of a liability from the claim. I often recommend clients get an umbrella policy when adding a minor to the policy. You have to maintain certain liability limits to qualify for an umbrella and it generally has an additional out-of-pocket cost yearly. However, this is the best way to protect you and your family for an accident of a teenage driver.

Compare rates for different coverages when adding a teenage driver. When shopping for insurance coverage, it is helpful to have your specific vehicle in mind and do some research.   If you have a VIN number on the car you can get an accurate rate if you have a make model and year or you can get a ballpark figure. Also, it is important to be truthful when you are shopping for rates when asked if there are any accidents or tickets in the past five years. Insurance companies will be able to locate those when they actually go to write your policy.  And shockingly, although insurer’s providers are required to run a motor vehicle report before underwriting a policy, they often collect the first month’s coverage to bind coverage before running that report. If the report is different than the information you gave them that can result in a serious rate increase right off the bat.

How much will it cost to ensure my teenage driver?

Now for the big question, what’s it going to cost?  Based upon our research, adding a 16-year-old male to your auto insurance policy will increase your premium by an average of 160% or approximately $2,250.00 according to our analysis. Adding a  new female driver is a bit less expensive, generally raising rates about 125% for an extra $1750.00 rate increase. As the mother of three sons, this is not such good news. But ,again, your child’s grades and  driver education courses will make a significant difference in your rates. Also, most insurance companies will give you a coupon code for your son or daughter to take an online driving class. As the parent of a teenage driver, I took this class with my son and I have to say I was quite impressed. The class is actually quite helpful as  it basically simulates driving conditions your child will face and he or she needs to answer questions based upon the simulated driving exam. Below is a link to the class. The insurance companies will often offer you a coupon or a code to reduce the rate by half or more to take the class. I highly recommend that all teenage drivers take the class.  https://www.teensmartdriving.com/insurance-partners/aaa/ 

Are Parents Liable for accidents of their teenage driving kids?

The answer is yes.  Nevada law is clear on this issue.  NRS 483.300 clearly states that when a parent or guardian signs for their minor child or ward to obtain a driver’s license, they are liable for damages for the accidents of their children. Since parents in Nevada are liable for the negligence of their children if they signed for them to obtain a driver’s license, it is important for them to have the same coverage you have for the rest of the family.  NRS 483.300 states specifically as follows: 

 NRS 483.300  Signing and verification of application of minor by responsible person; liability.

      1.   The application of any person under the age of 18 years for an instruction permit or driver’s license must be signed and verified, before a person authorized to administer oaths:

(a) By the applicant’s parent who has custody of the applicant or by either parent if both have custody of the applicant;

(b) If neither parent has custody of the applicant or if neither parent is living, by the person who has custody of the applicant, including an officer or employee of the State or a county if the minor is in the legal custody of the State or county;

(c) If neither parent has custody of the applicant or if neither is living and the applicant has no custodian, by the applicant’s employer; or

(d) If neither parent has custody of the applicant or if neither is living and the applicant has no custodian or employer, by any responsible person who is willing to assume the obligation imposed under NRS 483.010 to 483.630, inclusive, upon a person signing the application of a minor.

2.  Except as otherwise provided in NRS 41.0325, any negligence or willful misconduct of a minor under the age of 18 years when driving a motor vehicle upon a highway is imputed to the person who has signed the application of the minor for a permit or license and that person is jointly and severally liable with the minor for any damages caused by such negligence or willful misconduct.

If you have a question about  adding your teenage driver to your insurance policy or any type of accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

WILL MAKING A CLAIM ON MY AUTO INSURANCE POLICY RAISE MY RATES?

One of the questions we often get from clients is “Will making a claim on my insurance raise my auto insurance rates here in Nevada? We encourage clients to make their property damage claim on their own policy because your insurance company has a contract with you to act in good faith and repair your vehicle properly.  The adverse insurance company, aka the insurance company of the driver that caused the automobile collision, does not a have a statutory obligation to act in good faith towards you when adjusting your claim. However, many of our clients are reluctant to contact their own insurance company, fearing that they will suffer a rate increase as a result.

In addition to property damage claims, we often encourage clients to make claims for their UIM coverage on their own policy when their injuries exceed the coverage of the adverse driver. This is a common occurrence in the state.  Nevada recently raised the state minimum insurance policy to 25/ 50 / 20. Although a few states such as Texas and Maine have higher minimum limits requirements, Nevada is now in line with most states as far as state requirements for minimum limits for liability insurance coverage. 

The short-hand terminology of 25/50/20 means that there is $25,000 per person in coverage available for an auto accident and $50,000 total per accident for all claimants.   Therefore, if there are two injured people they can each collect $25,000.00 but if there are more than two injured people, the $50,000 must be split between all of them and no one person can collect more than $25,000.00 for their injuries from that policy, regardless of their medical bills. 

With the staggering cost of medical care in the state of Nevada,  especially in Las Vegas and Henderson for treating trauma patients for emergency care, $25,000 often does not go very far in a serious accident. When this occurs many drivers have been wise enough to purchase what is called UM/UIM Insurance. This is coverage that you carry on your own policy that covers you for your injuries in the event the other driver is not insured at all or does not have enough insurance to pay your damages.  Although clients worry that their rates will increase, Nevada has a statute specifically on point protecting Nevada drivers who sustain personal injuries in this 

situation.  NSR687B.385  protects Nevada drivers from insurance companies improperly raising their rates for non-at fault claims. 

Specifically in Nevada NRS 687B .385 states as follows:

An insurer shall not cancel, refuse to renew or increase the premium for renewal of a policy of motor vehicle insurance covering private passenger cars or commercial vehicles as a result of any claims made under the policy with respect to which the insured was not at fault.

In addition to the Nevada revised statute, pursuant to the Nevada administrative code which governs the practices of insurance companies, the state legislature has clearly outlined what insurance companies can and cannot do when it comes to an unjustifiable rate increase.  The pertinent section of the Nevada Administrative Code (NAC), 687b.850 provides as follows:

1.   An insurer shall not cancel, refuse to renew or increase the premium charge for the liability coverage under a policy of motor vehicle insurance upon renewal of the policy of motor vehicle insurance because of an accident that is not a chargeable accident.

2.   Each insurer shall file with the Division its definition of a “chargeable accident” and shall use the filed definition. The insurer’s definition of a “chargeable accident” may include only those accidents for which the insured is 50 percent or more at fault.]

3.   Each filing of a rate for a policy of motor vehicle insurance submitted to the Division must define a “chargeable accident” in terms of a monetary amount of damage.

4.   An insurer may not define a claim made under the comprehensive portion of a policy of motor vehicle insurance as a chargeable accident in order to increase the premium for the policy or to cancel the policy, but the insurer may use a series of such claims to discontinue comprehensive coverage or to offer a higher deductible for comprehensive coverage upon the renewal of the policy.

It is clear in the code that the insurance company cannot refuse to renew your policy or increase your premium for your automobile insurance for an accident that is not “a chargeable accident“. Often times, we have experienced insurance companies trying to list an accident as “chargeable” on their own insured’s insurance policy when it was clearly not their own insured’s fault. We have even seen insurance companies’ list accidents as chargeable to their own insured when they are fighting liability on behalf of their insured in the courts. Many personal injury law firms will not assist clients with this matter when it  arises and will advise clients to contact their insurance agents themselves. I have helped numerous clients over the years and have had this designation reversed by my clients own insurance company when it was improperly listed as a chargeable accident under their policy. I help clients at every level and through every facet of their personal injury case. With nearly 20 years’ experience in the field, I pride myself on maintaining a boutique law firm dedicated to protecting the rights and interests of my clients.

The statute and the code are clear on their face. The statute states that insurance companies are not allowed to raise rates in Nevada for their policy holders that make under insured or uninsured motorist claims. These claims are claims that are not result of the fault of their insured policyholder.  The Supreme Court has addressed the statute and upheld the language of the statute, although the insurance companies have tried to fight this statue claiming it is unconstitutional. In the case of Reinkemeyer vs Safeco Ins. Company, 16 P 3d 1069, 117 Nev. 4. (2001), the Nevada Supreme Court held that this statute which prohibits an  insurer from canceling, not renewing, or increasing premiums for a policyholder of a casualty or property insurance policy as a result of making a claim for which the insured was not at fault is not facially unconstitutional under the state due process clause. Therefore, NRS 687B.385 protects Nevada policy holders from rate increases or attempts by insurance company to cancel their policy when they make a claim for which they are not at fault for the accident.

With a large percentage of Nevada drivers being uninsured or underinsured and  given the low policy limit requirements in the state, you need an attorney that can recover all damages on your behalf and make sure you are fully compensated for the injuries that you sustain. Laura Payne Hunt has been representing injured people for over 15 years and worked directly for the insurance companies for years prior to helping injured people.  My experience in insurance coverage law and personal injury law has helped my clients recover substantial damages for the injuries they have sustained.

If you have a question about  any type of insurance policy or  accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 auto policy provisions.   

          At the Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

Is my Car Insurance Really More Expensive in Nevada Depending on Where I Live?

The short answer is yes. Drivers in Las Vegas Nevada and in Henderson Nevada pay some of the highest rates in the state.  In fact, auto insurance rates in Las Vegas and Henderson can be twice as much as some residents in other cities in the state. One of the factors in determining the rate you are charged for your car insurance is the ZIP Code in which you live. Insurance companies use vast amounts of data to compile rates and one of those data points is ZIP Code.  It seems somewhat logical that if you live in an area where more claims are paid, then your insurance rate will be higher, even though you are not the one making the claims.  

For example a recent search for car insurance rates revealed that the same auto insurance coverage in various ZIP Codes in the city was different.   In fact, the following differences in rates were found:

              89101 the rate is $2705.00

  89102 the rate is $2673.00 

  89030 the rate is $2644.00. 

 89104 the rate is  $2036.00. 

 89146 the rate is  $2605.00. 

Based upon this search,  the ZIP Code of 89146 had the lowest rate; as much as $100 less than 89101.  The search is not scientific, as each person will be putting in numerous factors to determine rates and this is only for demonstrative purposes.  It is clear that zip code is a factor that will likely affect the rate a person pays for their car insurance. In fact, if you search the same coverages for rural areas in Nevada such as Winnemucca at 89445, rates are as low as $1175 for the same coverage.  Rates in Lovelock at 89419 are as low as $1,180. Rates in Battle Mountain at 89820 are as low as $1,183.00 and rates in Round Mountain Nevada at 89045 are as low as $1,185.00.

I’m going to give very quick, simple review of different insurance coverages. Liability insurance is what is referred to with the state minimums of 25 /50/20. Liability insurance is the coverage that protects you when you are sued by another driver for injuries or property damage.  Coverage that protects your vehicle and damages to your vehicle is called collision and comprehensive coverage. Collision and comprehensive coverage pays for property damage to your car resulting from an auto accident, a single car accident, if the vehicle is stolen, if a tree falls on the vehicle or flooding or the vehicle is vandalized or any number of damages that can occur to your vehicle. Collision and comprehensive coverage is coverage only for your vehicle; it is not any type of medical coverage. Medical payment coverage is also available and that is coverage that pays for medical bills for the driver of the car, which is probably you, and any passengers in your own car. This is usually a very limited amount, often as low as $1,000.00 or even up to 25,000. UIM coverage is coverage that pays for injuries to you and your passengers in the event that you are in an auto accident in which you and your family are injured and the other driver does not have any insurance or does not have enough insurance. Unfortunately,  this is actually a common scenario in the state of Nevada in that at any given time studies have shown that anywhere from 13% to 19% of the drivers on the road are not insured in the state of Nevada.

Although rates are very important and shopping for the best rate benefits you and your family, insurance coverage should not strictly be purchased just buy the cheapest price.  It is important that your family is protected in the event of emergency. In Nevada, state minimums for insurance are 25,000 per person that you injure, 50,000 total for all the people you injure in one accident and 20,000 for property damage.   This is often written as 25/50/20. What this means is that the coverage is for liability, meaning claims against you, up to $25,000 per person can be paid for injuries resulting from an auto accident which is your fault and $50,000 as a total for all persons injured in a vehicle or vehicles accident that is your fault.  The last number of $20,000 is for all property damage relating to an accident. With the cost of vehicles today, you can see that even a moderate vehicle accident involving two or more cars, $20,000 may be insufficient to repair the vehicles. If that happens, your insurance would not cover all of the damages that you are responsible for causing and thus,  you would have to pay that difference out of your pocket. As this example illustrates, it is extremely important when buying insurance you make sure that the limits that you are purchasing will adequately cover your family against an accident that is your fault.    

We often hear clients  tell us that they assume that their insurance company will handle everything.  They have the false belief that they can buy minimum policy limits and, no matter what happens, that since they had insurance they will not be liable for anyone else’s damages. This is far from the truth. The fact is, that if you purchase insurance that is not sufficient to cover damages that you caused, you could be personally liable for those damages.  Failure to have enough coverage could result in great financial hardship for you and your family. Therefore, making a smart decision when purchasing auto insurance is critical to protecting your family against unforeseen accidents. This is where shopping rates can make a big difference. Like anything else, you can get more for less if you are diligent in your efforts to compare.  

CompanyState minimum  annual rate50/100/50 annual rate100/300/100 annual  rate
Allstate Fire & Cas Ins Co                       $873           $1,023$2,256
Geico Cas Co                       $654            $701$1,342
Mid Century Ins Co                       $662            $771$1,537
Progressive Northern Ins Co                        $531            $632$1,663
State Farm Mut Auto Ins Co                       $574            $742$1,726
Victoria Fire & Cas Co                       $442            $737$1,955

Fortunately in this day and age, the internet makes comparing rates, coverages, and carriers simple. Spending a little bit a time at the keyboard can save you literally a thousand dollars a year and protect your family. When shopping for insurance, I highly recommend to all of my clients, friends and followers that you go with an insurance company that you have seen a commercial for on TV. I know this sounds simple and I will try to provide some detail as to why this is my recommendation. There are a lot of insurance companies out there that are not financially stable or have policies to reject almost all claims in order to protect their bottom line. Although all insurance companies are cautious in paying claims and do not pay claims easily, carriers such as Allstate, Progressive, Geico, Farmers, State Farm ,AAA, USAA, the Hartford, Nationwide, Century etc. These  large carriers will protect the interests of their own insureds. There are many great companies out there and I always recommend that people compare them and go with a company that is large o that they are protected in a time of need. To tell people to look for a television commercial may seem quip. However, these companies have large numbers of insureds and are able to have the resources to provide counsel when necessary, make payment when necessary, and to stand behind their policyholders better than companies with less resources.

In Fact, in recent poll pf 3,700 customers, insurance companies in Nevada were rated and these are the results:

RankCompanyScore
1Allstate90.63
2Liberty Mutual90.49
3USAA88.82
4Auto Club of Southern California (Auto Club Enterprise Insurance Group)88.18
5American Family87.76
6Geico86.85
7The General86.39
8Safeco86.30
9State Farm86.16
10Progressive85.42
11Metlife85.16
12CSAA Insurance Group84.12
13Farmers80.45
14Esurance80.26
15Hartford78.75
16Nationwide77.28
17Travelers75.76
https://www.carinsurance.com/state/Nevada-car-insurance.aspx

If you have a question about  any type of insurance policy or  accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

Why I Do What I Do

Laura Hunt:   “I often find clients come into my office and we sit down for a consultation to discuss their case, they are stressed.  They frequently tell me that no one else has explained or listened to them as clearly as I have. I take great pride and find great satisfaction in listening to and caring about the clients that come to my office.  Something clients often say to me is “I don’t want to bother you.” My reply is always you are not bothering me; I work for you and if you have a question, never hesitate to call or text me. I am always available for my clients.”

When I graduated from law school in Oklahoma in 1992 I knew I wanted to help people. I thought about becoming a public defender but after two years in the criminal system I decided that criminal law was not for me.  Being a criminal defense attorney was exciting and I gained the valuable experience of arguing before the Ninth Circuit Court of Appeals regarding federal sentencing guidelines. I also became knowledgeable in criminal law.  However, I determined that I did not want a career as a criminal defense attorney, but I wanted to help people. I also knew that as a rookie lawyer, I needed to hone my skills and become a seasoned litigator before I could benefit people who have been wronged by large corporations and insurance companies.  So I went to work for a large insurance company and worked there for over nine years. During my time working for the insurance company, I was able to gain the experience, knowledge and capacity to not only try cases but understand how the insurance companies look at, review and determine the value of cases. I trained insurance adjusters in the law and how to deal with attorneys.  As a result of that extensive experience, I was able to enter private practice as an attorney representing injured clients and their families with an insight into the business that few other attorneys have. 

After graduating from high school in Las Vegas with distinction for academics, track and cheerleading, I enrolled at UNLV as journalism major.   I worked at the school newspaper as well as school radio station. I always enjoyed meeting new people to interview for the paper and on the radio and hearing their story.    Having a personal connection with people as an attorney and counselor at law was important to me. It was what drew me to the law, that personal connection to people and the ability to help them.  I graduated from UNLV with a Bachelor of Arts degree when I was 20 years old. I immediately enrolled in law school and graduated Magna Cum Laude from Oklahoma City University. I loved my time in the south and enjoyed Oklahoma immensely.  But Las Vegas is my town; it’s where I grew up. It is where my family and friends live, as well. I am as passionate about our community as I am 

my clients.  I am supportive of kid’s sports leagues and volunteer with my sons frequently in community outreach charities.

Those early experiences performing as a cheerleader, interviewing amazing people for the newspaper, and broadcasting live on the radio prepared me to be a public speaker and be comfortable in a court room.  I have never been shy or one to back down from controversy. I have admired many strong women over the years like Venus and Serena Williams for their grace, beauty and strength on the court and intelligent demeanor off the court. I have also admired women who’ve been pioneers in their fields like Eleanor Roosevelt and Amelia Earhart. So many amazing women have paved the way like, Coco Chanel who came from a humble background and used her amazing talents to build a legacy. 

When I’m not working or attending the baseball games of my three sons, I love yoga, skiing and riding ATV’s on the trails of the beautiful mountain ranges all around our area.

I am licensed to practice law in all courts in the state of Nevada and the Ninth Circuit Court of appeals. I am also admitted to practice in Texas and California.  I am a member of the American Trial Lawyers Association, the Clark County Bar Association, and the Southern Nevada Women’s Bar Association. I have been voted one the Top 100 Trial lawyers for the last three years. 

If you have a question about  any type of accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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.

SCHOOL ZONE LAW FOR BACK TO SCHOOL DRIVING

TOP 10 SCHOOL ZONE RULES TO KNOW FOR BACK TO SCHOOL 

  1. OBEY THE CROSSING GUARD – Not stopping for a crossing guard while driving in Nevada is a misdemeanor and if you have a collision with a car or a pedestrian by not stopping for a crossing guard, you can be subject to penalties including fines and possible loss of your license.

2) NEVER PASS A STOPPED SCHOOL BUS WHILE TH E SIGNS ARE OUT- It is extremely important to stop for a school bus with signs out when driving on the same side of the road as the bus or on a non-divided road, meaning there is not median in the roadway separating the lanes.  

3) BUS DRIVERS ARE ALLOWED TO REPORT VIOLATORS – and they will.  If a bus driver obtains your information for passing the bus illegally, he or she can report you and the school district can send you a warning.  It is important to note that the penalties increase based upon the number of offenses you commit.

4) MAXIMUM SPEED OF A SCHOOL BUS – Be Patient for school buses on our roads.  They are charged to keep our most precious cargo safe and are not permitted to drive in excess of 55 mph.  

5) SCHOOL ZONE SPEED RULES – The speed in a school zone is 15 miles per hour when school is in session.  Session means days children are in school from a half hour before school starts and a half hour after school gets out.  

6) During days school is in session but is it outside the half hour windows of starting and ending or lights are not flashing to indicate otherwise, the speed limit is 25 miles per hour.    

7)  U-turns are not permitted in school zones while school is in session.

8)  No passing in a school Zone.

9) Always use extreme caution in a school zone and never be distracted by cell phone or radio. Put our children’s safety first.

It’s that time of year, Kids are back in school, school zone lights are flashing, and the police are out enforcing the law in school zones. However, sometimes drivers don’t always recognize the law in a school zone. Flashing lights and speed limit signs are self-explanatory. But some regulations are a little bit more obscure.  A brief review of these rules can help drivers in Henderson and drivers in Las Vegas stay safe and free from penalties and keep our kids safe.

Take time to watch for the kid walking and riding bikes to  school. The school zone is an area on the street near a school, in front of the school, and area where children will be crossing to go to the school, a crosswalk leading to the school, or any place where children are likely to be walking to school and signs are posted. School zones extend beyond the perimeter of the school itself in many areas. It is important to watch for school zone signs.  Sometimes there will not be lights flashing but rather only a sign posted. Sometimes there may not be crossing guards in the area so it is important to watch for all markers that indicate a school zone.   

Fines for speeding in school zones can be double and sometimes even higher in some places.  Often times the laws and penalties regarding school zone driving rules can be confusing. I have listed the applicable statutes below and will summarize these rules.   

The following are the statutes in Nevada which govern traveling in a school zone:

OBEY THE CROSSING GUARD – Not stopping for a crossing guard while driving in Nevada is a misdemeanor and if you have a collision with a car or a pedestrian by not stopping for a crossing guard, you can be subject to penalties including fines and possible loss of your license.

NRS 484B.350  Stop required in obedience to direction or traffic-control signal of school crossing guard; penalty; additional penalty if driver is proximate cause of collision with pedestrian or person riding bicycle.

       1.  The driver of a vehicle:

       (a) Shall stop in obedience to the direction or traffic-control signal of a school crossing guard; and

       (b) Shall not proceed until the highway is clear of all persons, including, without limitation, the school crossing guard.

      2.  A person who violates subsection 1 is guilty of a misdemeanor.

      3.  If, while violating subsection 1, the driver of a motor vehicle is the proximate cause of a collision with a pedestrian or a person riding a bicycle, the driver is subject to the additional penalty set forth in subsection 4 of NRS 484B.653.

4.  As used in this section, “school crossing guard” means a volunteer or paid employee of a local authority, local law enforcement agency or school district whose duties include assisting pupils to cross a highway.

NEVER PASS A STOPPED SCHOOL BUS WHILE TH E SIGNS ARE OUT- It is extremely important to stop for a school bus with signs out when driving on the same side of the road as the bus or on a non-divided road, meaning there is not median in the roadway separating the lanes.  

 NRS 484B.353  Overtaking and passing school bus: Duties of driver; exceptions; penalties.

      1.  Except as otherwise provided in subsection 2, the driver of any vehicle, when meeting or overtaking, from either direction, any school bus, equipped with signs and signals required by law, which has stopped to receive or discharge any pupil and is displaying a flashing red light signal visible from the front and rear, shall bring the vehicle to an immediate stop and shall not attempt to overtake or proceed past the school bus until the flashing red signal ceases operation.

2.  The driver of a vehicle upon a divided highway need not stop upon meeting or passing a school bus which is positioned in the other roadway. The driver of a vehicle need not stop upon meeting or passing a school bus where traffic is controlled by a traffic officer.

      3.  Any person who violates any of the provisions of this section is guilty of a misdemeanor and:

      (a) For a third or any subsequent offense within 2 years after the most recent offense, shall be punished by a fine of not more than $1,000 and the driver’s license of the person must be suspended for not more than 1 year.

(b) For a second offense within 1 year after the first offense, shall be punished by a fine of not less than $250 nor more than $500 and the driver’s license of the person must be suspended for 6 months.

(c) For a first offense or any subsequent offense for which a punishment is not provided for in paragraph (a) or (b), shall be punished by a fine of not less than $250 nor more than $500.

BUS DRIVERS ARE ALLOWED TO REPORT VIOLATORS – and they will.  If a bus driver obtains you information for passing the bus illegally, he or she can report you and the school district can send you a warning.  It is important to note that the penalties increase based upon the number of offenses you commit.

NRS 484B.357  Report by driver of school bus of failure of driver of vehicle to stop; submission of report to school district and Department; provision of notice to owner of vehicle.

1.  The driver of a school bus who observes a violation of NRS 484B.353 may prepare a report of the violation. The report must be signed by the driver and include:

       (a) The date, time and approximate location of the violation;

       (b) The number and state of issuance of the license plate of the vehicle whose driver committed the violation; and

       (c) An identification of the vehicle by type and color.

       2.  The driver of a school bus who prepares a report pursuant to subsection 1 shall, within 2 working days after the violation, send the report to the superintendent of the school district and a copy to the Department, which shall thereupon mail to the last known registered owner of the vehicle a notice containing:

       (a) The information included in the report;

       (b) The provisions of NRS 484B.353; and

       (c) An explanation that the notice is not a citation but a warning of the seriousness of the violation.

MAXIMUM SPEED OF A SCHOOL BUS – Be Patient for school buses on our roads.  They are charged to keep our most precious cargo safe and are not permitted to drive in excess of 55 mph.  

       NRS 484B.360  Maximum speed of school bus.  A school bus shall not exceed:

       1.  A speed of 55 miles per hour when transporting pupils to and from school; or

2.  The speed limit posted by a public authority for the portion of highway being traversed when  transporting pupils to and from any activity which is properly a part of a school program.

SCHOOL ZONE SPEED RULES – The speed in a school zone is 15 miles per hour when school is in session.  Session means days children are in school from a half hour before school starts and a half hour after school gets out.  During days school is in session but is it outside the half hour widows of starting and ending or lights are not flashing to indicate otherwise, the speed limit is 25 miles per hour.     In addition, U-turns are not permitted in school zones while school is in session.  

NRS 484B.363  School zone or school crossing zone: Speed limit; designation; signs; U-turn and overtaking another vehicle prohibited; determination of hours in which speed limit is in effect; additional penalty if driver is proximate cause of collision with pedestrian or person riding bicycle.

1.  A person shall not drive a motor vehicle at a speed in excess of 15 miles per hour in an area designated as a school zone except:

       (a) On a day on which school is not in session;

       (b) During the period from a half hour after school is no longer in operation to a half hour before school is next in operation;

(c) If the zone is designated by an operational speed limit beacon, during the hours when the pupils of the school are in class and the yellow lights of the speed limit beacon are not flashing in the manner which indicates that the speed limit is in effect; or

(d) If the zone is not designated by an operational speed limit beacon, during the times when the sign designating the school zone indicates that the speed limit is not in effect.

2.  A person shall not drive a motor vehicle at a speed in excess of 25 miles per hour in an area designated as a school crossing zone except:

       (a) On a day on which school is not in session;

       (b) During the period from a half hour after school is no longer in operation to a half hour before school is next in operation;

(c) If the zone is designated by an operational speed limit beacon, during the hours when the pupils of the school are in class and the yellow lights of the speed limit beacon are not flashing in the manner which indicates that the speed limit is in effect; or

(d) If the zone is not designated by an operational speed limit beacon, during the times when the sign designating the school zone indicates that the speed limit is not in effect.

3.  The driver of a vehicle shall not make a U-turn in an area designated as a school zone or school crossing zone except:

      (a) When there are no children present;

      (b) On a day on which school is not in session;

      (c) During the period from a half hour after school is no longer in operation to a half hour before school is next in operation;

(d) If the zone is designated by an operational speed limit beacon, during the hours when the pupils of the school are in class and the yellow lights of the speed limit beacon are not flashing in the manner which indicates that the speed limit is in effect; or

(e) If the zone is not designated by an operational speed limit beacon, during the times when the sign designating the school zone or school crossing zone indicates that the speed limit is not in effect.

4.  The driver of a vehicle shall not overtake and pass another vehicle traveling in the same direction in an area designated as a school zone or school crossing zone except:

       (a) On a day on which the school is not in session;

       (b) During the period from a half hour after school is no longer in operation to a half hour before school is next in operation;

(c) If the zone is designated by an operational speed limit beacon, during the hours when the pupils of the school are in class and the yellow lights of the speed limit beacon are not flashing in the manner which indicates that the speed limit is in effect; or

(d) If the zone is not designated by an operational speed limit beacon, during the times when the sign designating the school zone or school crossing zone indicates that the speed limit is not in effect.

5.  The governing body of a local government or the Department of Transportation shall designate school zones and school crossing zones. An area must not be designated as a school zone if imposing a speed limit of 15 miles per hour would be unsafe because of higher speed limits in adjoining areas.

6.  Each such governing body and the Department of Transportation shall provide signs to mark the beginning and end of each school zone and school crossing zone which it respectively designates. Each sign marking the beginning of such a zone must include a designation of the hours when the speed limit is in effect or that the speed limit is in effect when children are present.

7.  With respect to each school zone and school crossing zone in a school district, the superintendent of the school district or his or her designee, in conjunction with the Department of Transportation and the governing body of the local government that designated the school zone or school crossing zone and after consulting with the principal of the school and the agency that is responsible for enforcing the speed limit in the zone, shall determine the times when the speed limit is in effect.

8.  If, while violating any provision of subsections 1 to 4, inclusive, the driver of a motor vehicle is the proximate cause of a collision with a pedestrian or a person riding a bicycle, the driver is subject to the additional penalty set forth in subsection 4 of NRS 484B.653.

9.  As used in this section, “speed limit beacon” means a device which is used in conjunction with a sign and equipped with two or more yellow lights that flash alternately to indicate when the speed limit in a school zone or school crossing zone is in effect.

SCHOOL ZONE SIGNS ARE UNIFORM IN ALL SCHOOL ZONES – School zone signs are generally self-explanatory and are uniform in Nevada.  Watch for these signs an slow your speed at the proper times.  

NRS 484B.367  School zone or school crossing zone: Requirements for signs; placement of portable signs.

1.  Each permanent sign which designates a school zone or school crossing zone and the speed limit in that zone must be uniform in size and color and must clearly designate the hours during which the speed limit applies.

2.  Each portable sign designating a school zone or school crossing zone and the speed limit in the zone must be uniform in size and color. A portable sign may be placed on or beside a roadway only during those hours when pupils are arriving at and leaving regularly scheduled school sessions.

If you have a question about school zone rules or any questions regarding a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

DON’T EVER AGREE TO SETTLE YOUR CASE ON THE PHONE

FOLLOW THESE TIPS FOLLOWING AN ACCIDENT

  1. Do not give a recorded statement on the phone
  2. Seek medical attention immediately
  3. Do not settle your case too soon
  4. Keep communication with the insurance company regarding your injury in writing.
  5. It is best to get an attorney.

Although I have blogged about this in the recent past, the number of phone calls we get regarding people who have agreed to a lowball verbal settlement on the phone with an insurance companies compels me to re-address this issue. It is a sad reality that insurance companies will immediately take advantage of an injured person at the first opportunity. They have taken this practice to new levels in recent months.   Here’s how the story normally goes. You get into a car accident and you decide that you want to handle it by yourself. Although that is not generally a good decision, if it is your choice, be cautious. Insurance companies are looking for exactly that injured, unrepresented person to take advantage of by presenting a low ball offer before injuries are even known. 

Usually, the insurance company will call you within 24 to 48 hours of your accident. At that point your injuries have not been established and in fact may not even be known to you.  The insurance company will throw out a very low offer usually under $1000 and ask if they send you a check “do you agree to settle your case and all of your claims for that amount? If you say yes, and they are recording your conversation this agreement can be construed as a legal binding contract for which you may have no additional recourse in the future. Although some contracts have been found that they must be in writing, such as contracts for real estate under the statute of frauds, there is no such general law for verbal settlement agreements.  

This practice of insurance companies taking advantage of unrepresented victims is appalling. However, it is unfortunately becoming widespread and you should protect yourself against such a practice. It is best to obtain counsel immediately following the accident. However, if it is your choice not to seek legal representation, be warned not to speak to the insurance company on the phone. Advise them that all of your correspondence must be written and they can email you. And do not agree to any settlement until you believe that you have fully recovered from your injuries.  Do not settle your claim following an accident too soon. I recommend generally at least three months or longer.

Most people are shocked to learn that if they agree to a settlement on the phone and then see a doctor or realize they have a more severe injury that they are then prevented from making a claim for that additional injury. Insurance companies are savvy and they know the laws, usually better than the injured victim. Don’t let the insurance company make you a victim a second time which is what they are doing in this type of circumstance.  It is extremely important to obtain medical care following an accident and to monitor your physical condition for injuries associated with the accident. The insurance company is preying on resolving cases inexpensively and getting out of paying injured people for the injuries and pain and suffering that they have actually sustained. They are preying upon the lack of knowledge of the person on the phone and the vulnerability of their situation.   In the past, this seemed like an infrequent practice of insurance companies and often by small companies. However, it has recently been brought to our attention that major insurance providers are engaging in this practice on a regular basis. They are knowingly and intentionally taking advantage of injured people, knowing full well that injuries from an automobile accident may not even be known at the time they are attempting to elicit a low settlement.  The other driver’s insurance company is never on your side.  

If you have a question about talking to the insurance company following an accident or any questions regarding a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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 TO KNOW IF YOU ARE INVOLVED IN A BOATING ACCIDENT

The US Coast Guard’s Recreational Boating Statistics Guide shows that most boating accidents are caused either partially or entirely by the negligence of the boats operator. Most of their reviews found that sadly, most boating accidents could have been avoided if the boat operator had followed proper procedure and been attentive to his driving. In 2015, there were 5.3 deaths per 100,000 registered vessels and 76% were drownings. Sadly, of those 76% of drownings, 85% of the victims were not wearing lifejackets. Based upon review of statistical data the following are the top 10 most common causes for boat accidents:

1) Use of Alcohol

2) Excessive Speed

3) Mechanical Failures

4) Failure to Check for Weather Conditions

5) Rapid Change in Water Conditions

6) Negligence of the Boat Operator

7) Failing to Maintain a Lookout for Other Boats

8) Inexperience of the Boat Operator

9) Violations of Rules Governing Private Vessels on the Waters

10) Failure to Use Proper Safety Gear

Most boating accidents involve one or more of these factors. If you or a loved one has been injured in a boating accident, please contact our office immediately. We can make sure that you or your loved one receives the compensation that you deserve for a personal injury that you sustained in a boating accident in Henderson, Las Vegas or anywhere in  Nevada. 

Use of Alcohol

Just like in a motor vehicle, it is a sad reality that many boat operators use alcohol while they are out on the waters. It is important to note that the same rules of operating a vehicle under the influence apply to a boat operator. Alcohol resulted in the fifth highest number of deadly accidents. In fact, almost as many people died in boating accidents related to alcohol than in most other causes combined. Operating a vehicle on the waters requires a blood alcohol content of less than .08%. If you are enjoying the waters with friends and family make sure that the boat operator is the designated operator and not using alcohol while operating the vessel.  There is no way to call for an Uber on the water.

Excessive Speed 

It is critically important that boat operators operate the vessel at a proper speed to keep their passengers safe. Just like highways, there are actually speed limits in many areas of the lake. Operating a boat too fast has caused collisions or rollovers that have resulted in catastrophic injuries.

Mechanical Failures. 

Although it is not the most common cause of all the accidents it is important for the boat owner to conduct routine safety checks on the boat to make sure it is in good condition. Failures of the motor or other mechanical issues such as steering and controls can be difficult to overcome once out on the open waters.

Always Check Weather Conditions

We have all gotten up to a beautiful morning and by the end of the day it is storming. It is of crucial importance in planning a day on the water to check the hourly forecast. Sadly, many boating accidents and fatalities have occurred due to drastic changes in weather and a capsize of the boat. Even if you are going with friends, take it  upon yourself to check your smart phone for the hourly daily forecast so that you can prevent any type of catastrophic weather accident.

Rapid Change in Water Conditions

Often the passing of another boat can cause serious wakes and changes in the water conditions.  Always be mindful of other vessels on the water and their proximity to your boat as well as the size of your boat. It is best to avoid the vicinity of larger vessels on the water if possible.

Negligence of the Boat Operator

It is important that the operator of the boat be skilled in boat operation. Many people purchase boats and fail to take any class or review any manuals. To get a driver’s license it is required  by law to take a written test and a driving test so that drivers have a basic level of skill on the road. Unfortunately, this is not the case with owning a boat in most states. Therefore, the ability and skill of the operator varies widely. Make sure that the operator of the boat that you are on is skilled in the operation of the vessel.

Failure to Maintain Lookout

It may be surprising for you to learn that a large number of boating accidents happen as a result of collisions with other boats. It is critical that all passengers assist the operator to watch for other vessels and avoid collisions with other vessels. Often, boats cannot make last-minute maneuvers like cars so it is important to keep a lookout at a distance to make sure that you are not getting too close to other vessels on the water.  Unlike the roads, boating vessels can be traveling in any direction, anywhere on the water. 

Inexperience of The Boat Operator

Often times during a day at the lake, multiple people will drive the boat. I do remember being a kid and my grandma letting me drive the boat.  It was such a thrill. Fortunately, she was with me and taught me many valuable skills such as the ones listed above in operating a boat. It is fun to take turns driving the boat. It is important to always supervise and make sure that an experienced operator is present and teaching any inexperienced operators the ins and outs of operating the vessel on the water.   It is an important statistic that only 15% percent of deaths occurred on vessels where the operator had received a nationally-approved boating safety education certificate. 

Violation of Boating Rules

It should not be surprising that there are rules and regulations on the waterways just as there are rules and regulations on the roadways.  Boating accidents are governed by federal, state and local laws. There are also laws for BUI, or boating under the influence rules. http://www.ndow.org/boat/boating_safety/pfds/  

Failure to Use Proper Safety Equipment

As stated above, there are numerous rules regarding safety equipment for boaters. Failure to use this results in injuries and fatalities every year. Make sure that everyone is wearing a life vest not just children.  At the Law Offices of Law Hunt, we urge all boaters to wear life jackets and protect children by ensuring they are wearing properly fitting life jackets at all time. All children under 13 years of age are required to wear lifejackets while boating in Nevada.  For additional information on boating safety, visit http://www.ndow.org/Boat/Boating_Safety/ Owners of recreational watercraft must be sure their boat carries the mandatory safety equipment and is compatible with state and federal laws. As part of this compliance, boats must be registered, they must meet certain equipment requirements including having lifejackets, visual distress signals, fire extinguishers, proper ventilation, back fire flame controls, sound producing devices, and navigation lights. They must also follow operating procedures including following navigation laws, and all state and federal laws.  Sadly, in 2015 twenty children lost their lives in boating accidents who were not wearing life jackets. http://www.leg.state.nv.us/NRS/NRS-488.html#NRS488Sec193  

In 2015, the United States Coast Guard counted 4,158 boat accidents that involved 626 deaths, 2,613 injuries and approximately $42 million dollars of damage to property as a result of recreational boating accidents   https://www.uscgboating.org/library/accident-statistics/Recreational-Boating-Statistics-2015.pdf    

Unfortunately, Nevada has a high rate of boating accidents. Lake Mead is an extremely popular recreation area.  Its natural beauty and warm climate make it an inviting destination to enjoy boating activities. With an average of 10 million visitors annually, this is the busiest national recreation area in the country, centering on the nation’s largest manmade lake.  It also leads the national park system in fatalities. In 2015 it was reported that Nevada was ranked in the top states for boating accidents with most of those accidents happening at Lake Mead.

If you have a question about boating accident injury and/or any questions regarding a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can 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 Henderson and Las Vegas Accident injury offices today. At our 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 Henderson and Las Vegas Accident injury Law Offices of Laura Payne Hunt, PC 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 Henderson and Las Vegas Accident injury Henderson 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. 

Boating Injury Statics:

  • The fatality rate was 5.3 deaths per 100,000 registered recreational vessels in 2015.
  • This rate represents a 1.9% increase from 2014’s fatality rate of 5.2

deaths per 100,000 registered recreational vessels

  • Compared to 2014, the number of accidents increased 2.3%,  the number of

                          deaths increased 2.6%, and the number of injuries decreased 2.4%.

  • Where cause of death was known, 76% of fatal boating accident victims drowned. 
  • Of those drowning victims, 85% were not wearing a life jacket.

  • Eight out of every ten boaters who drowned were using vessels less than 21 feet in length.
  • Alcohol use is the leading known contributing factor in fatal boating accidents; where the primary cause was known, it was listed as the leading factor in 17% of deaths.
  • Where data was known, the vessel types with the highest percentage of deaths were open motorboats (46%), kayaks (12%), and canoes (11%).

  • Twenty-two children under age thirteen lost their lives while boating in 2015. Twelve children (55%) died from drowning. Two children (17%) of those who drowned were wearing a life jacket; half of the remaining ten children who were not wearing a life jacket were not required to do so under State law