Halloween Safety Tips- Please keep our kids safe this Halloween

Here’s a frightening statistic: Children are more than twice as likely to be struck by a car and killed on Halloween than on any other day of the year. Below are some tips to keep you and your family safe this holiday.

TEN HALLOWEEN SAFETY TIPS

 “Trick or Treat!”…are the words spouted with joy by thousands children every Halloween. It’s the holiday for costumes, candy, tricks and treats. But ghosts, vampires and monsters aren’t the only things to be wary of this Halloween. Accidents and unfortunate mishaps increase dramatically on this traditional evening of whimsical fun.  It is important to avoid potential risks and dangers. The following are some safety measures to keep children from being injured while out trick-or-treating:

  1. Always trick or treat with an adult. Don’t allow a child to go outside alone.
  2. Accompany children to the door of every house they approach.
  3. Stay outside. Do not enter a home or apartment without adult supervision.
  4. Children should not approach any vehicle, occupied or not.
  5. Remain visible. Wear bright clothing or use reflective strips on costumes. Carry a glow stick or flashlight.
  1. Obey all traffic and pedestrian regulations. Look both ways before crossing, walk on sidewalks, and obey traffic signals and stop signs. Always walk; never run across streets or lawns.
  1. Trick or Treat at friendly homes. Children should be warned to never approach a house that is not well lit and does not have a porch light or outside light on.
  1. Do not go onto a property that is marked “Keep Out”, “No Trespassing”, and “No Solicitors Allowed”.  
  1. Never eat any candy until an adult checks it. Dispose of anything that seems to have been tampered with, has been opened, or isn’t wrapped.

  1. Children should immediately report to their parents and/or law enforcement if they see or experience anything suspicious. Instruct children to shout for help and make a scene if anyone tries to grab them or force them into involuntary situations.

https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween

As your family heads out for a fun Halloween of trick or treating, The Law Offices of Laura Payne-Hunt wishes you a safe and fun holiday.   Please keep your children safe by staying with them and watching for traffic. If you must be out on the roadway, please drive with extreme caution and watch for children, parents and pets out on the streets taking part in traditional Halloween fun.  This is all our community here in Henderson, Nevada and we would like to see a safe and fun Holiday for everyone.  

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

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

Halloween Safety Tips- Please keep our kids safe this Halloween

Here’s a frightening statistic: Children are more than twice as likely to be struck by a car and killed on Halloween than on any other day of the year. Below are some tips to keep you and your family safe this holiday.

TEN HALLOWEEN SAFETY TIPS

 “Trick or Treat!”…are the words spouted with joy by thousands children every Halloween. It’s the holiday for costumes, candy, tricks and treats. But ghosts, vampires and monsters aren’t the only things to be wary of this Halloween. Accidents and unfortunate mishaps increase dramatically on this traditional evening of whimsical fun.  It is important to avoid potential risks and dangers. The following are some safety measures to keep children from being injured while out trick-or-treating:

  1. Always trick or treat with an adult. Don’t allow a child to go outside alone.
  2. Accompany children to the door of every house they approach.
  3. Stay outside. Do not enter a home or apartment without adult supervision.
  4. Children should not approach any vehicle, occupied or not.
  5. Remain visible. Wear bright clothing or use reflective strips on costumes. Carry a glow stick or flashlight.
  1. Obey all traffic and pedestrian regulations. Look both ways before crossing, walk on sidewalks, and obey traffic signals and stop signs. Always walk; never run across streets or lawns.
  1. Trick or Treat at friendly homes. Children should be warned to never approach a house that is not well lit and does not have a porch light or outside light on.
  1. Do not go onto a property that is marked “Keep Out”, “No Trespassing”, and “No Solicitors Allowed”.  
  1. Never eat any candy until an adult checks it. Dispose of anything that seems to have been tampered with, has been opened, or isn’t wrapped.

  1. Children should immediately report to their parents and/or law enforcement if they see or experience anything suspicious. Instruct children to shout for help and make a scene if anyone tries to grab them or force them into involuntary situations.
https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween

As your family heads out for a fun Halloween of trick or treating, The Law Offices of Laura Payne-Hunt wishes you a safe and fun holiday.   Please keep your children safe by staying with them and watching for traffic. If you must be out on the roadway, please drive with extreme caution and watch for children, parents and pets out on the streets taking part in traditional Halloween fun.  This is all our community here in Henderson, Nevada and we would like to see a safe and fun Holiday for everyone.  

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

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

TOP 10 UNUSUAL STATE LAWS THAT CURB THE FUN ON HALLOWEEN

Halloween is a holiday that gives a permit to kids and adults to get crazy and bizarre. But in some states and countries, the law prevents you from going too far with your Halloween costumes. From a prohibition on Silly String to outlawing trick-or-treating on Sundays, here are some laws aimed at protecting the public from the potential human-made horrors of Halloween.  From age limits to restrictions on costumes, to time limits to what you can where to church, (yes, really, what you can were to church) these are just some of bizarre laws throughout the United States. Unfortunately, they do put a damper on the holiday spirit.

The following are some of the more humorous or interesting laws that can be found governing the holiday:

TOP TEN WEIRD HALLOWEEN LAWS

1) IllinoisNo masks for the grownups in Illinois. The small town of Belleville, Illinois has many regulations regarding trick-or-treating including a ban on masks for any person over the age of 12. They also have laws limiting trick-or-treating to children in the eighth grade and under. Sadly, that would’ve put a real damper on our teenage fun. Which, by the way, teenagers are still considered children under the law. They also have a law that trick-or-treating can only go on between 5:00 PM and 8:30 PM. In addition, they actually have a legal definition for trick-or-treating which states “Halloween solicitation shall mean seeking or obtaining gifts, food, candy or contributions of money, as is customarily and commonly known as trick or treat in the celebration of Halloween day.“  Interesting that the state legislature actually sat and wrote down laws and voted on them for Halloween. Maybe they did not have educational issues, economic woes, environmental hazards, or criminal regulations to address that year.

2) Alabama— It is prohibited to wear a mustache that may cause people to laugh in church. This law is intended for fake facial hair and is currently not enforced, but its origins are unknown. If you do happen to be attending church on Halloween in a mustachioed costume, make sure you won’t get in trouble for it, especially if it’s amusing.

3) Alabama –No nuns allowed in.  And Alabama makes the list twice.  Yes that is real. They have an ordinance in Alabama that states it is illegal to dress up as a “minister of any religion, or nun, priest, rabbi or other member of the clergy.” This law is effective on Halloween or any other day. Seems like an infringement on your first amendment rights, however, apparently the law has not been challenged at this time. It is actually a criminal statute which is punished with a fine of up to $500 and/or a stint in the county jail for up to a year.  It appears they have very little sense of Halloween spirit in Alabama.

https://codes.findlaw.com/al/title-13a-criminal-code/al-code-sect-13a-14-4.html



4) Georgia—In Dublin, Georgia It is unlawful for any person over 16 to be in a public place  on Halloween wearing a mask, sunglasses, hood, or any other type of accessory that covers the face. Other states have laws similar to this.  Laws like this where put in place to reduce the amount of mischief and possible crime that can happen on Halloween aka All Hallows’ Eve. Although the intent is reasonable, it might make it less fun for parents who want to dress to take their children to different houses. However, if you are just handing out candy at home, you are allowed to wear a mask.

5) International — No Halloween at all! Some countries have extreme rules regarding Halloween. In Jordan, all public celebrations are banned for Halloween as of 2014. In fact the United States Embassy actually advises any United States citizens living in Jordan to “expect police reaction, including arrests at any public Halloween themed event. “ The United States Embassy went on to advice US citizens traveling from their home to a Halloween party to cover their costumes while in public or even in the car.  They are serious about not allowing Halloween in Jordan.
https://www.theatlantic.com/international/archive/2014/10/why-has-jordan-banned-halloween/382207/


6) California — No silly string!  In Hollywood. That’s right! In the land that one would consider the most entertainment and festival focused city, the city of Hollywood, California says it is against the law to “possess, use, sell or distribute silly string“in public from 12:01 AM on October 31 to noon on November 1.  Violating this law can cost you $1000. They are serious about silly string in Hollywood. http://www.lapdonline.org/october_2004/news_view/20641

7) Virginia — No Teen Trick or Treating. Some jurisdictions really dampen the fun for the older kids. In Newport News, Virginia trick-or-treating but anyone but those over the age of 12 is sadly prohibited. And even if you are the legal age to trick-or-treat you cannot do so after 8 PM. There is a fine of up to $250 and punishment of a class four misdemeanor for violating these ordinances.  Talk about party poopers.  This is one of the harshest statutes I came across.   Gone are the days of endless trick-or-treating for the teens after the little kids have gone to bed in Newport News, Virginia

8) Delaware –No Go on Sunday! Perhaps one of the saddest statutes is in Rehoboth Beach, Delaware, where trick-or-treating is prohibited on Sundays. Sadly, if trick or treat night falls on a Sunday, Halloween is moved to October 30 for trick-or-treating between 6 and 8 PM. Many children will miss out on Sunday Halloween’s in Rehoboth Beach, Delaware.  Hopefully it is a small town and kids can go to their friend’s house outside the city to trick-or-treat on the traditional day.



9)  Canada —Not too late! On a happy Halloween note, Bathurst, New Brunswick, Canada recently enacted a law allowing children to trick-or-treat up to the age of 16 and extending the curfew to 8 PM. However, violating the curfew could cost you about $200 in fines.

10) Missouri —Women are not permitted to wear corsets in Merryville, Missouri. This law is not related to Halloween, but it’s a good thing to remember when planning out your costume.  It is not likely such a law would be enforced. However, it is interesting to note that many such dated and unusual laws are still on the books all over the United States.



Fortunately in Nevada, no such crazy laws exist to prohibit trick-or-treating. Please watch for our upcoming blog for safety tips to stay safe and have a great time this Halloween.  As your family heads out for a fun Halloween of trick or treating, The Law Offices of Laura Payne-Hunt wishes you a safe and fun holiday.   Please keep your children safe by staying with them and watching for traffic. If you must be out on the roadway, please drive with extreme caution and watch for children, parents and pets out on the streets taking part in traditional Halloween fun.  This is all our community here in Henderson, Nevada and we would like to see a safe and fun Holiday for everyone.  

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If you have a question regarding any type of personal injury, 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.

FUN AND SAFE HALLOWEEN EVENTS for HENDERSON AND LAS VEGAS

Halloween is a holiday that has been celebrated by kids and adults for hundreds of years. Unfortunately, some jurisdictions in the United States have laws that limit specific aspects of the celebration. Fortunately in Nevada, no such crazy laws exist to prohibit trick-or-treating. In fact, there are many great ways to celebrate Halloween in Nevada including the following events:

THE FIVE BEST HAUNTED ATTRACTIONS IN LAS VEGAS 

  1. Mandalay Bay: The Shark Reef aquarium welcomes guests into their dark and eerie Haunted Shark Reef.
  1. Freakling Bros. Trilogy of Terror: If you can handle three scary haunted attractions in one night, try Freaking Bros. Trilogy of Terror in the west valley on select dates September 26-October 31. After signing a consent form and deciding how much fear you can handle, you’ll make your way through three terrifying interactive haunted houses, including the R-rated Gates of Hell.
  1. Fear The Walking Dead Survival:  This walk-through horror attraction is like an escape room, maze, video game, haunted house and motion simulator all in one. Inspired by AMC’s The Walking Dead, this wild ride has enough freaks to rival the cast of characters outside on the Fremont Street Experience.
  1. Springs Preserve Haunted Harvest: Share the holiday spirit with the entire family at Springs Preserve with carnival games, live entertainment and a petting zoo among the Halloween activities. The Haunted Harvest is accessible for tricksters of all ages. This year’s 2019 edition runs Oct. 11-13, 18-20, 25-27, 5 p.m.-9 p.m.
  1. HallOVeen at Opportunity Village: Ghosts and goblins of all ages are welcome to hop aboard a mini coaster, enchanted carousel and other rides at the family-friendly Magical Forest. Enjoy carnival-style snacks and take part in a round of mini golf. HallOVeen runs October 11-13, 18-31.

TOP TEN HALLOWEEN FUN FOR KIDS FOR HALLOWEEN 2019 in HENDERSON

  1. Spooky Birds Dress up in your Halloween costume and learn about spooky birds, make a craft, and trick or treat along our walking path. Watch out for things that go bump in the night. Ages 4-10
    Henderson Bird Viewing Preserve, 350 E. Galleria Dr.
    Monday, October 28 | 5:30pm-7pm | 664046-00
    $7 in advance | $10 day of event
  1. Halloween Town  — several location at 71 E Silverado Ranch Blvd, Las Vegas, NV 89183,  510 S. Rampart Blvd., 7455 S. Rainbow Blvd. and 9748 Las Vegas Blvd. South NOW OPEN — rides, games, a pumpkin patch, activities and more, 4-9:30 p.m. Fri., Mon.-Wed. and 11 a.m.-9:30 p.m. Sat.-Sun., free admission. All-day ride wristband is $20. Tickets are $1 each (2-5 tickets per ride and game), $20 for family pack of 25 tickets.
  1. Tots Trick-or-Treat Trail Dress your little ones in their Halloween costumes, and let them trick or treat in our center. Admission is free, but a donation of two canned food items to benefit the Henderson Salvation Army would be appreciated. Ages 1-5
    Valley View Recreation Center, 500 Harris St. 
    Thursday, October 17 10am-Noon | Free
  1. BOOgie Woogie Bash BOOgie the night away in your spookiest Halloween costume. Bring a friend to enjoy dancing, a costume contest, carnival games, prizes, snacks, and refreshments. Ages 5-10
    Downtown Recreation Center, 105 W. Basic Rd. 
    Saturday, October 18 | 6pm-8pm | $5 | 154281-53
  1. Ghost Hunting 101 In this beginner’s workshop you’ll learn to decipher false positives, the basics of paranormal investigating and research, safety protocols, different spiritual hauntings, and the equipment used. Then you’ll be ready to use equipment to record evidence of a possible haunting. Materials and light snacks are provided. Feel free to bring your own dowsing rods and digital cameras to try and capture apparitions and orbs. We are searching for authentic experiences and take this seriously. Ages 12+
    Silver Springs Recreation Center, 1951 Silver Springs Pkwy.
    Friday, October 18 | 6pm-9pm | $20 | 194246-12
  1. Zombie 5K Run & 1-Mile Walk The walking dead return to Henderson for another feeding. Participants are encouraged to come dressed in their favorite Halloween garb or as a member of the undead. Souvenir T-shirts are guaranteed for the first 300 participants. All fitness levels are welcome. Packet pickup is on Oct. 17 from 4:00-7:00 pm at Jimmy John’s (106 N. Stephanie St., Suite 130) or at Cornerstone Park from 5:00-6:00 p.m. the day of the event. Day-of registration is cash only. Ages 5+
    Cornerstone Park, 1600 Wigwam Pkwy. 
    Saturday, October 19 | 6pm-9pm
    5K Run | Starts at $25 | 154221-58
    1-Mile Walk | Starts at $15 | 154283-58
  1. Trunk or Treat Henderson’s premier safe trick-or-treating event returns for an evening of festive fun. Put on your 
    costume and follow the trick-or-treat trail in our parking lot where we pass out treats (or tricks) from
    the trunks of our festively decorated cars. The event includes a variety of activities, entertainment and a
    costume contest. A set number of tickets are available for each time. Early purchased tickets will be available for pickup at the center on Oct. 21-23. All ages
    Black Mountain Recreation Center, 599 Greenway Rd. 
    Thursday, October 24 | 4:30pm-6:30pm | 154027-00
    Thursday, October 24 | 7pm-9pm | 154027-01
    $3 in advance | $5 night of event (cash only)
  1. Haunted at the Ranch There is something spooky happening at the Whitney Ranch Recreation Center and Whitney Ranch Aquatic Complex. Dress up in your favorite costume and join the community for two evenings of spooky fun with a collection of carnival games, bounce houses, craft stations, and a trick-or-treat trail. The event features a spine-tingling haunted house tour (and an alternate version for younger children). Children under the age of 8 must be supervised by a parent/guardian at all times. Enter the event through WRRC. All ages
    Whitney Ranch Recreation Center and Activity Pool, 1575 Galleria Dr. 
    Friday, October 25 | 6pm-9pm | 436614-00
    Saturday, October 26 6pm-9pm | 436614-01
    $5 in advance | $7 night of event
  1. Spooky Sports Fall Festival Scare your friends on the court during this costume volleyball tournament. Played on the grass courts at
    Aventura Park. Teams compete 6 v 6 with three games guaranteed. Girls and co-rec divisions offered for U12, U14 and U19 age groups. This great event also features a fall festival on the multi-purpose fields including music, bounce houses, games, and food. $15 per person for the volleyball tournament. Ages 10-18
    Aventura Park, 2525 Via Firenze
    Friday, October 25 | 5pm-9pm | $15 | 154284-00
  1. Pet Trick-or-Treat 1-Mile Walk Show off your pet’s Halloween costume at our second annual Trick-or-Treat 1-Mile Walk. Bring a trick-or-treat pail and walk your leashed pet along the Heritage Park Trail, stopping at our stations along the way to collect dog treats. Visit the agility dog park to see if your pet is interested in trying out some tricks. Prizes will be awarded for best costume and best human/pet costume combo during each session. Canned pet food will be collected for the Meals on Wheels program. Registration is per pet and includes treats and a special gift for your four-legged friend. All ages
    Heritage Bark Park, 350 S. Racetrack Rd. 
    Saturday, October 26
    Dogs under 25 lbs. | 10am-11am | 154350-58
    Dogs 26 lbs. & over | 11am-Noon | 154350-59
    $5 in advance | $10 day of event (cash only)

As your family heads out for a fun Halloween of trick or treating, The Law Offices of Laura Payne-Hunt wishes you a safe and fun holiday.   Please keep your children safe by staying with them and watching for traffic. If you must be out on the roadway, please drive with extreme caution and watch for children, parents and pets out on the streets taking part in traditional Halloween fun.  This is all our community here in Henderson, Nevada and we would like to see a safe and fun Holiday for everyone.  

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If you have a question regarding any type of personal injury, 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.

TOP 10 BIZARRE LAWS THAT SLASH THE FUN ON HALLOWEEN—BUT NOT IN HENDERSON, NEVADA FORTUNATELY

Halloween is a holiday that has been celebrated by kids and adults for hundreds of years. Unfortunately, some jurisdictions in the United States have laws that limit specific aspects of the celebration. Fortunately in Nevada, no such crazy laws exist to prohibit trick-or-treating. In fact, there are many great ways to celebrate Halloween in Nevada including the following events:

Las Vegas Events for Halloween 2019

  1. Mandalay Bay: The Shark Reef aquarium welcomes guests into their dark and eerie Haunted Shark Reef.
  1. Freakling Bros. Trilogy of Terror: If you can handle three scary haunted attractions in one night, try Freaking Bros. Trilogy of Terror in the west valley on select dates September 26-October 31. After signing a consent form and deciding how much fear you can handle, you’ll make your way through three terrifying interactive haunted houses, including the R-rated Gates of Hell.
  1. Fear The Walking Dead Survival:  This walk-through horror attraction is like an escape room, maze, video game, haunted house and motion simulator all in one. Inspired by AMC’s The Walking Dead, this wild ride has enough freaks to rival the cast of characters outside on the Fremont Street Experience.
  1. Springs Preserve Haunted Harvest: Share the holiday spirit with the entire family at Springs Preserve with carnival games, live entertainment and a petting zoo among the Halloween activities. The Haunted Harvest is accessible for tricksters of all ages. This year’s 2019 edition runs Oct. 11-13, 18-20, 25-27, 5 p.m.-9 p.m.
  1. HallOVeen at Opportunity Village: Ghosts and goblins of all ages are welcome to hop aboard a mini coaster, enchanted carousel and other rides at the family-friendly Magical Forest. Enjoy carnival-style snacks and take part in a round of mini golf. HallOVeen runs October 11-13, 18-31.

Please watch for our upcoming blog for safety tips to stay safe and have a great time this Halloween.

Even though Henderson does not have restrictive Halloween laws, may cities have crazy Halloween laws.  One city even has a ban on silly string! There are some places that even outlaw trick-or-treating on Sundays! There are some bizarre laws throughout the United States and even the world which allegedly try to “protect the public”. Unfortunately, they do put a damper on the holiday spirit. The following are some of the more humorous or interesting laws that can be found governing the holiday:

TOP TEN WEIRD HALLOWEEN LAWS

  1. No masks for the grownups in Illinois. The small town of Belleville, Illinois has many regulations regarding trick-or-treating including a ban on masks for any person over the age of 12. They also have laws limiting trick-or-treating to children in the eighth grade and under. Sadly, that would’ve put a real damper on our teenage fun. Which, by the way, teenagers are still considered children under the law. They also have a law that trick-or-treating can only go on between 5:00 PM and 8:30 PM. In addition, they actually have a legal definition for trick-or-treating which states “Halloween solicitation shall mean seeking or obtaining gifts, food, candy or contributions of money, as is customarily and commonly known as trick or treat in the celebration of Halloween day.“  Interesting that the state legislature actually sat and wrote down laws and voted on them for Halloween. Maybe they did not have educational issues, economic woes, environmental hazards, or criminal regulations to address that year.

    2) No masks for anyone in Walnut, California, either. In Walnut, California, the law states that “no one of any age is allowed to wear a mask or disguise on a public street without a permit on this from the sheriff – on Halloween or for the other 364 days a year.“ That is very sad; it appears that most costumes are outlawed in the city of Walnut, California. This law was apparently passed to reduce illegal incidents during Halloween. People are required to obtain a permit to wear a mask on Halloween.  So I guess if you’re really wanted to wear that mask, head to the police station for a permit! Seriously. Talk about bureaucracy. 
http://qcode.us/codes/walnut/view.php?topic=3-3_48-3_48_200&frames=on


3) No nuns allowed in Alabama. Yes that is real. They have an ordinance in Alabama that states it is illegal to dress up as a “minister of any religion, or nun, priest, rabbi or other member of the clergy.” This law is effective on Halloween or any other day. Seems like an infringement on your first amendment rights, however, apparently the law has not been challenged at this time. It is actually a criminal statute which is punished with a fine of up to $500 and/or a stint in the county jail for up to a year.  It appears they have very little sense of Halloween spirit in Alabama.

https://codes.findlaw.com/al/title-13a-criminal-code/al-code-sect-13a-14-4.html



4) No clowns allowed. The town of Vendargues, France has banned people from wearing clown costumes on Halloween for the entire month of November for anyone who is over the age of 13. If people wish to dress up as clowns for “fairs or other public festivities, during the ban,” they are required to get a special permit from the authorities. I guess they are quite afraid of clowns in France.

https://www.france24.com/en/20141031-french-town-bans-clown-costumes-after-terror-wave-halloween-vendargues



5) No Halloween at all! Some countries have extreme rules regarding Halloween. In Jordan, all public celebrations are banned for Halloween as of 2014. In fact the United States Embassy actually advises any United States citizens living in Jordan to “expect police reaction, including arrests at any public Halloween themed event. “ The United States Embassy went on to advice US citizens traveling from their home to a Halloween party to cover their costumes while in public or even in the car.  They are serious about not allowing Halloween in Jordan.
https://www.theatlantic.com/international/archive/2014/10/why-has-jordan-banned-halloween/382207/


6) No silly string!  In Hollywood.   That’s right! In the land that one would consider the most entertainment and festival focused city, the city of Hollywood, California says it is against the law to “possess, use, sell or distribute silly string“ in public from 12:01 AM on October 31 to noon on November 1.  Violating this law can cost you $1000. They are serious about silly string in Hollywood.

http://www.lapdonline.org/october_2004/news_view/20641

7) No Teen Trick or Treating. Some jurisdictions really dampen the fun for the older kids. In Newport News, Virginia trick-or-treating for those over the age of 12 is sadly prohibited. And even if you are the legal age to trick-or-treat you cannot do so after 8 PM. There is a fine of up to $250 and punishment of a class four misdemeanor for violating these ordinances.  Talk about party poopers.  This is one of the harshest statutes I came across.   Gone are the days of endless trick-or-treating for the teens after the little kids have gone to bed in Newport News, Virginia

8) No Go on Sunday! Perhaps one of the saddest statutes is in Rehoboth Beach, Delaware, where trick-or-treating is prohibited on Sundays. Sadly, if trick or treat night falls on a Sunday, Halloween is moved to October 30 for trick-or-treating between 6 and 8 PM. Many children will miss out on Sunday Halloween’s in Rehoboth Beach, Delaware.  Hopefully it is a small town and kids can go to their friend’s house outside the city to trick-or-treat on the traditional day.

9)  Not too Late! On a happy Halloween note, Bathurst, New Brunswick, Canada recently  enacted a law allowing children to trick-or-treat up to the age of 16 and extending the curfew to 8 PM. However, violating the curfew could cost you about $200 in fines.

10) No Sunglasses!  In Dublin, Georgia, it is illegal to go out in public wearing a mask, sunglasses or any other type of accessory that covers your face. Seriously? This law was put in place allegedly to reduce mischief on Halloween. I think it just reduces the fun. If you live in Dublin, Georgia, again hopefully you can go to your neighbors nearby and trick-or-treat in a less restrictive venue.

Fortunately in Nevada, no such crazy laws exist to prohibit trick-or-treating. Please watch for our upcoming blog for safety tips to stay safe and have a great time this Halloween.

As your family heads out for a fun Halloween of trick or treating, The Law Offices of Laura Payne Hunt wishes you a safe and fun holiday.   Please keep your children safe by staying with them and watching for traffic. If you must be out on the roadway, please drive with extreme caution and watch for children, parents and pets out on the streets taking part in traditional Halloween fun.  This is all our community here in Henderson, Nevada and we would like to see a safe and fun Holiday for everyone.  

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

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

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.