Category Archives: Accident Litigation


State Overview of Autonomous Cars

  • Nevada was the first state to Allow Autonomous Cars
  • All States now have legislation enacted or pending regarding Autonomous cars
  • Lyft has over 25 Autonomous vehicles on the Road in Las Vegas
  • Google has more than 40 self-driving cars on the Road near Austin, Texas.
  • Most accidents involving driverless cars have been a human’s fault.

If you’re in Las Vegas, or now most major metropolitan cities, you may have observed or experienced autonomous vehicles on the road. Lyft recently announced that it would be putting 30 autonomous vehicles on the road in Las Vegas. Lyft has been a major proponent of autonomous ridesharing vehicles. Last year in Las Vegas and Boston they gave rides to people attending the Computer Electronic Show (CES). However, more than a trial run at CES, 30 vehicles went live on the roads in Las Vegas last year and is available to the general public through Lyft.

Don’t worry though, you’ll have to opt in to get a chance to ride one at this time — a driverless vehicle will not just show up for your ride randomly. The vehicles that Lyft used during CES were BMW’s powered by autonomous technology that was developed by a Pittsburgh-based company called Atpiv.  Those vehicles were equipped with LIDAR’s, 10 radars, a trifocal camera, vehicle to infrastructure data about stoplights and differential GPS.

According to the website engadget, they found that the erratic traffic in Las Vegas was still no match for these vehicles.  The cars all handled very well in tests. Similar to the vehicles used during the trial at the CES show, the 30 vehicles that are hitting the road in Las Vegas can only take you from one high demand location to another. Meaning they will not be heading into the suburbs just yet. In discussing the trials of autonomous vehicles in Las Vegas, spokesperson Kevin Clark of Atpiv, said in a statement “more importantly, the resulting knowledge and data from this test will allow us to further refine our autonomous driving capabilities and strengthening our portfolio of industry leading active safety solutions.”

Recently, taxi service Waymo officially launched its self-driving taxi service in the suburbs of Phoenix, Arizona. At this time, humans must be behind the wheel and they’re only open to a subset of a few hundred people who have enrolled in the company’s test program. But it is evidence that driverless cars are coming and the laws are changing quickly. It’s high time that regulators coordinate with consumer advocates and promulgate rules and regulations for self-driving vehicles. There has been a bill lingering in Congress for quite some time. It’s entitled the American Vision for Safer Transportation Through Advancement of Revolutionary Technologies Act. Quite a mouthful indeed.

One draft of the bill would create a loose framework for testing and developing automated vehicles. Federal regulators would like to get a handle on the growing industry and determine which agencies will handle which issues. However, manufactures of self-driving cars want to avoid a patchwork of different local and state regulations all over the country. At this time, over 36 states have enacted legislation or executive orders that govern self-driving vehicles.  Some of the proposed regulations by various states are seeking manufactures to validate that their self-driving systems can identify all users on the roads including pedestrians, cyclists and motorcyclists. Some of the legislation would also require auto makers making semi-autonomous systems like Tesla’s auto pilot and General Motor’s Supercruise to submit Public Safety and Crash Reports to the federal government. This bill is a win for the American Association of justice a lobbying group that represents trial lawyers because the bill also limits the use of forced private arbitrations for those who are hurt from self-driving involved collisions.

Many people consider these vehicles to be a sign of the future of the rideshare industry. The technology for autonomous vehicles is continuing to develop and although it has not been perfected quite yet, it is rapidly changing. In an attempt to keep up with autonomous vehicles technology, all 52 states introduced legislation in 2016 and 2017 to begin to deal with this new technology. In fact, the legislation is changing so rapidly that NCSL has a new autonomous vehicle legislative database to provide up to date information about different states autonomous vehicle regulations and legislation pending.

And although they may be late to the party, on September 12 a national highway and transportation safety administration released new federal guidelines for automated driving systems (ATS).  The following is a website with the latest guidelines for automated driving systems in various states. The guideline builds on NHTSA‘s guidance from 2016.

In particular, two of these sections give guidance on design elements and aligns federal guidance with the latest developments and technology. They also clarify the rules of federal versus state government. These guidelines can be found at:

Nevada was the first date to authorize the operation of autonomous vehicles in 2011. Since then 21 other states including Alabama, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Michigan, New York, North Carolina, North Dakota, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and Vermont and Washington DC have also passed legislation related to autonomous vehicles. The governors in Arizona, Delaware, Hawaii, Idaho, Maine, Massachusetts, Minnesota, Ohio, Washington and Wisconsin have issued executive orders related to autonomous vehicles.

The advent of Uber and Lyft   as ridesharing companies has changed the way people travel. They’ve also changed how insurance companies write policies and how Jury’s will have to decide who is liable after an accident.  The law is generally behind technology and this area is no different. But driver’s, riders and pedestrians need to understand how the rules of the road are going to change with the placement of autonomous vehicles on the road.  The question is going to be if there’s not a driver behind the wheel, who is liable for an accident. I believe the obvious answer would be the manufacturer and this may increase litigation against vehicle manufacturers of self-driving cars.

It has yet to be determined if there will need to be a person in the driver seat to override the car legally. If there is no person in the driver seat, will the legislature determine the owner of the car is liable or the manufacturer or both?  It may be a case where eventually the law will have to catch up and possibly impose strict liability on owners of self-driving cars. However that is speculation and that is an area that our state legislature will have to address in years coming. There have already been accidents with self-driving vehicles and the more that enter onto the roadways, the more these types of accidents will occur.

If you are a driver for Lyft or Uber it would be wise for you to carry higher limits for your insurance coverage to protect yourself. At the Law Office of Laura Payne-Hunt, we are always available to give free consultations to discuss coverage is that you have and coverages that you need depending on your situation.  People often ask if they are involved in an accident with it Uber or Lyft driver do they file a suit against Uber or Lyft. The answer is no because Uber and Lyft consider their drivers as independent contractors, unlike cab companies who consider their drivers to be employees. However Uber and Lyft do carry commercial auto insurance policies on their drivers of $1.5 million.

If you or a loved one is injured by an autonomous vehicle or any vehicle, call our office immediately.  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 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.




1) Pays your medical bills no matter who is at fault

2) Pays all co-pays from the accident if you have health insurance;

3) Pays medical bills without referral from an accident even if your health insurance does not

or you do not have health insurance.


Medical payments coverage, often referred to in the industry as MedPay, is a coverage that pays for medical or funeral expenses that occur as a result of an auto accident. Generally, it is an option that is available when you purchase your auto insurance policy or can be added later. This coverage covers the person who purchased the policy called the policyholder, any passengers and family members driving or riding in the vehicle at the time of an accident. As will be outlined below, this policy can sometimes extend to cover injuries you sustained outside of the car. A very important point of this coverage is that it applies no matter who is at fault for the accident.


In this blog about medical payments coverage, hereinafter referred to as MedPay, I will discuss what MedPay covers, how it works, how it can work with your health insurance and the cost of such coverage.


What medical bills will MedPay cover?


When you or a loved one, a friend or family member is in your vehicle and involved in an accident, injuries can occur. MedPay coverage covers all of these people regardless of who’s at fault for the accident. Medical payments will pay medical bills that are directly incurred by you, a passenger, or a family member in the car at the time of the accident.  Such expenses can include, but are not limited to, x-rays, surgery bills, hospital bills, doctor visits, ambulance, emergency medical fees, professional nursing services and care, any dental procedures that were required as a result of the accident, injuries that you sustain if you were a pedestrian or you were riding your bike if another vehicle hits you, prostheses and even funeral expenses.


It is important to realize that MedPay coverage covers  the policyholder even if he/she is outside the vehicle but involved in an automobile involved accident. For example if you were walking and you are hit by a car, or you are riding in a friends vehicle, or even if you are riding on a public bus, your MedPay coverage will pay medical bills up to the limit if you are injured during one of these activities. MedPay also applies if you are involved in an auto related accident outside your state.




MedPay can work in any way that is best suited for your situation. As counsel for injured people, we maximize our client’s benefits and make sure that their bills are covered to the best available coverages in every situation. For example if our client has health insurance, we will reserve MedPay claims until all co-pays have been received to make sure that co-pays are promptly paid on behalf of our clients so that bills do not go to collections. If you are involved in an accident and you have MedPay coverage, it is always extremely important to work closely with your attorney to make sure that all bills are timely sent to counsel’s office. At the Law Office of Laura Payne-Hunt, we work diligently to maximize our client’s benefits. It is noteworthy that  our primary area of practice is in the State of Nevada and no-fault states are different. If you live in a no-fault state, it is important to check with your agent to determine whether health insurance would be considered primary or medical payments coverage primary.


MedPay coverage in Nevada will pay your bills immediately. They will not ask for a referral or a discount but they will pay your actual bills incurred up to the limit of your medical payments coverage. Often times people assume that the at fault driver will timely pay all their bills. Unfortunately, the adverse insurance company will not pay any bills directly. They will only pay to resolve the entire claim when your injuries and treatment have concluded. There may be a substantial period of time where you have outstanding bills that need to be paid before they go to collections.

Sometimes the limits on MedPay coverage is low, for example $2,000.00 to $5,000.00. It is important to maximize benefits in an auto accident. At the Law Offices of Laura Payne-Hunt, Esq. we have 20 years’ experience in making sure that our clients recover the maximum amount of money in their pocket and all of their bills or timely paid.




Over my years in the practice, I have had clients tell me that their agent advised them they did not need MedPay coverage if they have health insurance. Unfortunately, I believe this was bad advice on behalf of their agents. Health insurance does not always pay your medical bills related to a car accident and they are entitled to be indemnified out of your settlement. However, even if health insurance does “cover” your bills, health insurance, as we all know, often will not cover certain events or there can be very large co-pays for out of network or “unauthorized” treatment. Med pay is a coverage that covers this gap. MedPay coverage can offset those expenses and pay those co-pays while your health insurance picks up the remaining balance. MedPay can reimburse you timely for those deductibles so that you do not have to worry about getting behind on bills as the result of  expenses related to an auto accident.




MedPay is a coverage that allows policyholders to specifically choose a limit a.k.a. a maximum dollar amount that will be paid by your policy for your medical bills. It is generally not a very expensive coverage and can provide extraordinary peace of mind and financial security in the event of an automobile collision. Like anything else, there will be a slight increase in your rates for obtaining medical payments coverage. It is also important to note that it is a coverage you can put on your policy at any time. Call  your agent or your carrier to discuss the cost of adding this coverage.  Value Penguin did research regarding the costs.  Below are their finding of some examples of the additional cost added to a premium for  a 30-year-old married person driving a Toyota Camry:

“Coverage Limit per Incident GEICO State Farm Allstate Esurance Progressive*
$1,000 4.56 1.56 8.00 5.10 6.00
$2,000 8.76 12.00 6.46 9.00
$5,000 19.18 3.12 20.00 8.48 17.00
$10,000 27.52 4.37 26.00 28.56 26.00
$25,000 6.87 32.00 36.72 35.00

*Notes: Progressive limits are per person, and not per incident

The most common coverage limits for Med pay  are $1,000, $2,000, $5,000, $10,000 and $25,000 across the five companies we surveyed. GEICO offered more limit options on the lower end of the range, from $500, and then in $1,000 increments from $1,000 to $5,000. State Farm offered more limits on the higher end, including medical payments up to $50,000 and $100,000.”






As you can see, certain carriers can provide $25,000 in med pay for a very small monthly fee. Even having a couple thousand dollars in medical payments coverage can be a lifesaver when the ambulance is not covered by your insurance or you have a $500 hospital co-pay and a $500 ambulance co-pay and you are already missing time from work.  The cost will always differ depending on the amount that you opt to buy, the overall underlying policy that you have, your driving record, your insurance carrier, and other factors that impact your overall rates such as driving history.





In no-fault states,  Personal Injury Protection (PIP), is a mandatory coverage and MedPay works different in those states.  As of this writing, Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland (unless a waiver is signed at initial purchase of the policy), Massachusetts, Michigan,  Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.  Several states require insurance companies to offer PIP coverage, but allow the insured to reject it in writing which include Washington and Texas.  Michigan is the only no-fault auto insurance state with no limit on medical expenses.  In states with PIP, drivers may still want to buy medical payments coverage because PIP is subject to claim limits. If a you live in a PIP state and your medical bill exceeds your PIP limit, you would have to pay for the out-of-pocket, which MedPay  could pay.  In that situation, you could recover for therapy and lost income  under PIP, and get reimbursement from MedPay  for other medical expenses.


If you or a loved one is injured call our office immediately.  We can make sure that you receive the care you need and deserve, and advise on how to preserve evidence and maximize all of your coverages.  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.



  • Are the fees capped in my state like they are in NV and CA
  • Call several attorneys to compare rates before hiring
  • Cheaper is usually not better. Do your research, know the law.

In 2004, Nevada, pursuant to Ballot question No. 3, implemented a statutory limitation on attorney’s fees in medical malpractice as a result of the tort reform bill that was passed into law by a vote upon of the people. NRS 7.095 prescribes the statutory allowable fees that attorneys can charge in medical malpractice cases. Therefore, the state legislature has determined what a reasonable fee is for a medical malpractice case.  Courts in California have consistently and uniformly held that even with a valid, agreed upon, non-disputed waiver in place, the statutory provision regarding attorney’s fees is not waivable or “voidable.”  An extensive review of the California decisions on this issue reveals the courts have consistently held that a comprehensive and extensive writing waiving the statutory fee limitation is still insufficient to void the statute.  In fact, they have consistently ruled that the statute is not “voidable.”


In Nevada, the State Legislature added NRS 7.095 to the Nevada Revised Statutes in 2004 pursuant to the passage of Ballot Question No. 3 passed on November 4, 2004, which states as follows:

NRS 7.095  Limitations on contingent fees for representation of persons in certain actions against providers of health care.

  1.   An attorney shall not contract for or collect a fee contingent on the amount of recovery for representing a person seeking damages in connection with an action for injury or death against a provider of health care based upon professional negligence in excess of:

               (a) Forty percent of the first $50,000 recovered;

            (b) Thirty-three and one-third percent of the next $50,000 recovered;

            (c) Twenty-five percent of the next $500,000 recovered; and

                (d) Fifteen percent of the amount of recovery that exceeds $600,000.

            2.  The limitations set forth in subsection 1 apply to all forms of recovery, including, without limitation, settlement, arbitration and judgment.

3.  For the purposes of this section, “recovered” means the net sum recovered by the plaintiff after deducting any disbursements or costs incurred in connection with the prosecution or settlement of the claim. Costs of medical care incurred by the plaintiff and general and administrative expenses incurred by the office of the attorney are not deductible disbursements or costs.

              4.  As used in this section:

            (a) “Professional negligence” means a negligent act or omission to act by a provider of health care in the rendering of professional services, which act or omission is the proximate cause of a personal injury or wrongful death. The term does not include services that are outside the scope of services for which the provider of health care is licensed or services for which any restriction has been imposed by the applicable regulatory board or health care facility.

(b) “Provider of health care” means a physician licensed under chapter 630 or 633 of NRS, dentist, registered nurse, dispensing optician, optometrist, registered physical therapist, podiatric physician, licensed psychologist, chiropractor, doctor of Oriental medicine, medical laboratory director or technician, licensed dietitian or a licensed hospital and its employees.

(Added to NRS by 2004 initiative petition, Ballot Question No. 3; A 2011, 1510)

Although the Nevada Court has not specifically addressed the attorney fee provision, they have addressed the constitutionality of the statute and repeatedly followed precedent from the mirrored statute from California that has been in force since 1975.


Although the medical malpractice reform act was not passed in Nevada until 2004, the Medical Injury Compensation Reform Act of California (herein referred to as MICRA,) was enacted in California in 1975 by the California Legislature and signed into law by Governor Jerry Brown in September 1975. The act was intended to lower medical malpractice liability insurance premiums and was enacted on an emergency basis to keep healthcare providers as a whole financially solvent. It was intended to lower the cost of healthcare services and make them more available.  Since MICRA was enacted nearly 40 years ago, it has been challenged on numerous occasions in the California Courts. It has repeatedly been held constitutional by the California Courts and almost all of the original MICRA legislation is still in force and effect and part of California law.

The Nevada statute is nearly identical to the California Statute.  In California, non-economic damages are capped at $250,000 instead of $350,000 in Nevada.   However, the California statute limiting attorney’s fees is almost identical to Nevada’s statue. Extensive litigation has gone on in California regarding the attorney’s fees provision under the MICRA statutory scheme.   In California, plaintiffs’ attorneys can receive 40% of the first $50,000 recovered, 33 1/3% of the next $50,000 recovered, 25% of the next $500,000 recovered, and 15% of any amount recovered in excess of $600,000 under Business and Professions Code section 6146.

A RAND report issued estimates that as a result of MICRA, defendants’ liabilities were reduced by 30%.  However, between 1985 and 1988 malpractice premiums actually rose 47% in California. After 1988 insurance premiums in California experienced a decrease which was a result of proposition 103. It was voted into law in 1988 at section 1861.01 of the California insurance code and explicitly required a rollback of insurance premiums by 20%.   ) ( March 7, 2003)

New challenges were raised to MICRA by the plaintiffs’ bar after proposition 103 was enacted claiming that MICRA was outdated legislation and that the problem of increased premiums was resolved by proposition 103. The courts repeatedly declined to rollback or limit MICRA’S provisions after the enactment of proposition 103.  (Cal Ins. Code Sec. 1861.01)

Nevada Origination of the Statute

Seeing the alleged success of this legislation in reducing insurance premiums for medical writers in California, other states started to follow suit. Nevada placed Question No. 3 on the ballot in 2004 and on November 4, 2004, it was ratified by a 60% majority of Nevada voters.  Question No. 3 set a maximum schedule for attorney’s fees and capped non-economic damages at $350,000. The question, known as the KODIN initiative for keep our doctors in Nevada, was promoted by pointing to an alleged trend of Nevada doctors fleeing the state for states with lower malpractice premiums like California. To counter this legislation the Nevada plaintiffs’ bar put Questions No. 4 and 5 on the same ballot.  Both were defeated in the election and the statutory scheme was voted into law by the Nevada public and became law in the state in 2004.


In Tam vs. The Eight Judicial District Court, 131 Nev., Advance Opinion No. 66346, (2015) the Nevada Supreme Court upheld the constitutionality of NRS 41A.035 (2004).  In the Tam case, the Supreme Court granted a writ of mandamus on behalf of Dr. Tam challenging the district court’s ruling the state statute was unconstitutional in medical malpractice actions. In the opinion which is decided on a writ, the Nevada Supreme Court resolved three primary issues related to the statute:

  • Whether the statue violates a Plaintiff’s right to a trial by jury;
  • Whether the cap applies separately to each cause of action;
  • Whether the statute applies to medical malpractice actions.

The Supreme Court held that the district court erred in finding the statute was unconstitutional on the basis that it violated the plaintiff’s constitutional right to trial by jury.  The court further held that the district court erred when it found that the statutory cap applied per plaintiff and per defendant. Finally, the Supreme Court also concluded that the District Court erred when it found the statute applied only to professional negligence and not medical malpractice.

The underlying facts of the case involved the death of Charles Thomas Cornell, Jr.  an action brought by his wife Sherry Cornell, the real party in interest. Mr. Charles had multiple medical conditions and he passed away after being released from the hospital and alleged he was not prescribed medications and further care to treat his diabetes.  Suit was filed against numerous defendants after Mr. Cornell‘s death.  Relevant to the opinion was the writ of mandamus filed regarding the ruling on Defendant’s omnibus motion in limine.  The motion filed by Dr. Tam requested that non-economic damages be limited to $350,000 pursuant to the statute NRS 41 8.035. The District Court denied the motion finding the statute was unconstitutional and violated Plaintiff’s constitutional right to a trial by jury.  The District Court, also held that the statutory cap did not apply to the case as a whole and that a separate cap applies for  each plaintiff  and for each of the defendants. In addition, the District Court found the cap did not apply to medical malpractice claims. Based on that motion in limine, relief under a writ of mandamus was sought and granted.

Among other things, the Supreme Court held that for a statute to violate the right to jury trial, it must make the right practically unavailable. They relied upon Barrett vs Baird 111 Nev. 1496, 1502, 908 P 2d 689, 694 (1995) The Supreme Court acknowledged that jurisdictions disagree on whether statutory damages caps violate the right to a trial by jury.   They stated that they have previously found that a statutory limit on damages does not infringe on the plaintiff’s constitutional right.

In Arnesano vs State Department of Transportation 113 Nev. 815, 819, 942 P 2d 139, 142, (1997), the court relied upon the case of Martinez vs Maruszczak, 123 Nev. 433, 168 P. 3d 720 (2007) and held that “it is not the role of a jury to determine the legal consequences of its factual findings… That is a matter for the legislature. “ Id at 819-820, 942 P. 2d at 152 quoting Boyd vs Bulala 877 F. 2d 1191, 1196 (4th Cir. 1989). The Nevada Supreme Court looked to California for guidance.   This issue has been decided in California in addressing the constitutionality of the statutory cap on non-economic damages in cases involving healthcare provider’s professional negligence. In Citing Yates vs Pollock, 239 Cal Rpt. 383, 385 (Ct. App 1987) the court concluded “that such an argument is merely an indirect attack upon the legislatures power to place a cap on damages. The Yates court noted  that while the statute could possibly result in a lower judgment of the jury’s award, “the  legislature retains broad control over the measure of damages a defendant is obligated to pay and that a plaintiff is entitled to receive… and it may expand or limit recoverable damages so long as it’s action is rationally related to legitimate state interest.“  Yates at 385–386

The Nevada Supreme Court  in Tam went on to state that “consistent with our prior holding in Arensano and persuasive case law from California, “we conclude that NRS 41A.035 does not interfere with the jury in their factual findings because it takes affect only after the jury has made its assessment of damages and that  it does not implicate a plaintiff’s right to trial by jury.”

The court went on to hold that the statute also did not violate equal protection rights and also relied on California holdings on this issue.  The court further held that “we do not look beyond the language of the statute if it is clear on its face“ citing  Beazer Homes Nevada Inc. vs Eighth Judicial District Court 120 Nev. 575, 579, 97 P. 3d 1132, 1135, (2004.) In this instance, the Tam decision did not address the attorney fee portion of the statute, NRS 7.095, although  the provision is very clear on its face.

Also discussed by the Supreme Court in the Tam decision is the legislative history which they acknowledged discusses a comparison between the Nevada statute and California’s analogous statute noting “that NRS 41A.035 is similarly per incident not per claimant, and not per doctor.” The court also held that “the official explanation to ballot question No. 3 stated that the previous statute provided that a person seeking damages in a medical malpractice action is limited to recovering $350,000 in non-economic damages from each defendant and  the proposal, if passed,  would limit the recovery of non-economic damages to $350,000 per action”  (Citing Nevada ballot questions 2004, question No. 3, explanation at 14 available at HTTPS://  )

The court in Tam went on to state “the intent behind the statute is further evidenced by the legislature is discussion of recent amendments to NRS 41A.035, indicating that the purpose of the 2004 amendments was to clarify that the cap for non-economic damages is intended to apply per action. “ (See Hearing on SB 292 before the Senate Judiciary Comm, 78th Leg. (Nev., March 26, 2015). It is clear from this decision that the Nevada Supreme Court found this legislation to be constitutional. It is also clear that they looked to California for guidance in mirroring their statute and will likely look to California for guidance in its further application.

As attorneys, the people sitting next to us are the clients we are here to protect.   Their rights are paramount.  It is our duty as lawyers to advise them and to counsel them to allow them to knowingly make decisions that affect the outcome of their cases.  Lawyers are charged with the ethical duty of advising their clients of the law in many situations.   Whether it’s a plea agreement in a criminal matter, whether it’s a bankruptcy, whether it’s this case where the statute at issue was voted on by the people and enacted into law, it is the responsibility of counsel to explain to clients that the law allows them to make decisions for the outcome of their case.

Although the supreme court in the state of Nevada has not ruled on this specific attorney fee issue under the reform statute, the ruling in the Tam case is clear that they find the statutory provisions to be constitutional. The Nevada Supreme Court has  looked to our sister state of California in reviewing the constitutionality of the Nevada act’s provisions, which mirrors the California legislation. It is important for attorneys to be clear and accurate in advising clients of their rights.  At the Law Offices of Laura Payne-Hunt, we take the time to meet with every client and take pride in explaining the law and their options in detail.  I operate a small, boutique law firm specializing in giving personal representation to each client.

If you or a loved one has been injured as a result of poor medical care, call our office immediately.  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 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.


  • Victims Wait too long to obtain medical care
  • Missing medical appointments
  • Guessing about facts of the accident when asked by their doctor
  • Not being honest or accurate about their health history
  • Down playing injuries or trying to be tough
  • Not telling the doctor about all of their symptoms
  • Not cooperating with their doctor
  • Not keeping written documentation
  • Stopping treatment too soon
  • Telling the insurance company about their injuries prematurely

Our office has been representing injury victims since 2004.  Since that time, Laura Payne Hunt has helped hundreds of clients obtain money for the injuries they sustained.   Based on this experience, I have witnessed how accident victims can unintentionally ruin their own case because of the things they say and do during doctor visits or their failure to attend such visits. I am providing this short condensed list to help victims seeking care for their injuries.  Most people have never had to make a claim and are unprepared for the medical history and care that must be diligent and accurate to serve your best interests.  The number one matter is HONESTY HONEST HONESTY.  You must provide every provider with an accurate history to the best of your ability.  An honest oversight can result in a challenge to your credibility at a later time.  Therefore, even if you forget something at one appointment, it will never be too late to advise your doctor to add your omission to the records at a later time. Remember that everything

you say and your actions at your doctor’s office (or other medical providers) is likely to be documented in your medical records. Therefore, you should understand that your medical records are going to wind up in the hands of the insurance company or lawyer defending your personal injury claim. For that reason, you should be aware of the mistakes that can adversely affect your legal claim and the following is a list of the most common:


1). Seek medical attention right away for your injuries.


It is extremely important that your injury is documented as close to the time of accident as possible. If you are involved in an accident and you are feeling pain or other symptoms after the accident, it is extremely important that you go to the hospital or quick care or your family doctor to be checked out immediately. With prompt care you will get better medical attention and your injuries will be better documented.  I have often heard clients say “well I want to just wait and see if it goes away.”  In the normal setting this might not be a bad plan. However, if it does not go away and you do not seek treatment the  insurance company will argue that some other intervening cause is the reason that you were having pain or that your pain must have not been that significant if you waited to get medical attention. It is the oldest argument in the book from the defense and one that they make time and time again. So if you are involved in an accident and is not your fault, meaning someone else is responsible for injuries and pain, it is important to document that injury immediately to prove that it is causally related to the accident that you were involved in with that third-party.


2) Do not miss medical appointments for the injuries you sustained an accident


Another issue that the insurance company will look for immediately in your records is whether you missed appointments on any regular basis. They will argue that skipping a doctor’s appointment meant that you were not feeling pain that day. We all know that life intervenes and that there are hundreds of reasons that you could not attend an appointment, including, work family commitments etc. However, the insurance company will not see it this way. If you have to reschedule appointment be diligent in rescheduling around your personal commitments. At our law office we are very conscious of our clients’ needs and we will find medical providers that will work with your schedule and provide after hours appointments or even the weekend appointments to accommodate your daily life.


3) Give an accurate accident history to the doctor of only facts that you know.


An accident is a trying, frustrating, scary event that happens in seconds. It is very difficult to know or understand all of the exact movements that happened to your body or even sometimes how the impact occurred in complex, multivehicle crashes. Tell the doctor what you know factually to the best of your recollection but do not guess about things you do not know. For example, I’ve often had clients tell doctors an unreasonable rate of speed of the accident occurred at such as 80 miles an hour. Realistically, I think most people understand it if you were hit at 80 miles an hour in the vehicle, it would be unlikely that you would have survived. But people just know that it was hard and it was violent and it happened very quickly.  So when asked to describe the accident simply state the facts that you recall and are firm in your memory. For example: “I was rear ended by another vehicle.” Or “The accident was hard.” Or “I don’t know what happened to my body inside the car.”  Again, these medical records will wind up in the defense hands and they will scrutinize everything you told the doctor.  They will do their best to challenge your credibility or recall of the events. Therefore, it is important that the information that you tell your doctor for the basis of your care is accurate. If that information is incorrect, they will argue that your care was not related to the accident because it is based on false allegations


4) Be honest about your medical history with your doctor


Doctors and hospitals will take a complete medical history when they are providing care. It is important that you are accurate in describing any past injuries or accidents or illnesses or surgeries that you have had in the past. The reason for this is that we can always explain all of your medical history and how it is or is not related to an accident. However, we cannot explain missing information and that will make you appear as though you were lying to your doctor. With many years of experience, I completely understand that people forget things or don’t recall things that happened to them when they’re in a stressful situation. If you forget information at the time you’re asked, it is never too late to tell your doctor “I forgot to tell you I broke my wrist 10 years ago” or “oh, I forgot to tell you I had knee surgery two years ago.”  It is important that those things are documented in the record. Clients often state “well I didn’t think it was relevant.”  It may not be relevant to the accident injuries that you sustain but it is important to know that is relevant to your credibility. And your whole case will always rest upon your credibility. The insurance company will immediately start to tear down your credibility from the first time that you make the claim. They are not on your side and they will use anything they can to diminish the value of your claim.


5) Do not talk to your doctor about the financial part of your claim.


It is not appropriate or necessary for your medical care to tell your doctor that you hope to get a certain amount of money from your claim or that you need money as a result of your injuries from the accident. That is a discussion to have with your attorney, not your doctor. Doctor’s records are part of the case and they are not privileged in a legal action. They are not available to the public and you have a right of privacy, but if you file a legal claim all of those privacy rights are waived because those records are needed to support your claim. Any financial questions you have about your claim should be directed to your attorney and discussed with your attorney and not with your medical providers


6) Not telling the doctor about all of their symptoms.

Tell your doctor about all of your pain and any life disruptions it causes.

One of the biggest mistakes that we’ve had over the years with clients is that they want to appear tough or they do not want to appear as a whiner or complainer. Sometimes people just resolve themselves to having pain and  don’t want to discuss the details of how that pain impacts their life to their doctor. It is important that your doctor understands what you are going through so that he can give you the proper treatment. If you choose to “tough it out”, that will impact your claim and diminish the value.  This is because what you are truly going through and the pain you are having will not be documented.   As a result, the insurance company will find you are not entitled to compensation for your symptoms that are not documented. What you tell your doctor is crucial to determining the value of your claim. That is because a personal injury action is tied to the amount of personal injury that a person sustained. You can see this by imagining yourself on a jury. If someone comes to the courthouse and testifies that five days later they were pain-free and back to the regular activity, it would be likely that you would not compensate them in a large manner. If someone comes to the courthouse four years later they are still limping and they are still unable to conduct their necessary daily activities, that case has a much different value.


7) You must cooperate with your doctors during the claim.


Another issue we have with clients is that they don’t want to go to doctors’ appointments. Doctors work together and different doctors treat different parts of the body and different injuries. Your family doctor may refer you to a pain management doctor or to an orthopedic doctor when your pain is not getting better. The chiropractor may refer you back to your family doctor when he feels that you are not improving as he would like. Complex claims involve complex medical treatment. It is important that you follow the advice of your doctor in following up with additional providers if they are recommended.


8)  Keep your records that you are sent.


If you receive any type of billing or medical records it is very important that you keep those in the file. Any receipts you receive from doctors from your appointments, any discharge information from the hospital, etc. should be kept. All paperwork that relates to your injuries you should keep in the file. This can make it much easier to track down all of your medical bills and records when they are needed. Often times a hospital visit will result in 3 to 5 bills.  For example, radiology and emergency care will be billed separately. It is important you keep a file with all of those bills so that all of the records can be obtained to support your personal injury claim




9) Do not stop treatment until you are discharged by your doctor.


Your doctor will decide when you have reached what is called “maximum medical improvement.”  That means they will provide treatment and care and referral treatment and care until they feel that your medical needs have been met and that you are stable.  If you stop treatment on your own without consulting your doctor, the insurance company will immediately argue that you were better or that you failed to mitigate your damages because you did not complete your treatment as required by the doctor.  In addition, if you are still having pain they will discount the pain because you did not finish your treatment. Therefore, it is very important to communicate well with your treating doctor and agree that you are ready to conclude your medical care for the accident


10) Never talk to the other insurance company with a lawyer


It has become a common practice recently for insurance companies to call an injured victim within days, sometimes hours of an accident. We have even had cases where insurance adjusters have met injured victims at the hospital to try to elicit statements from them. Do not talk to anyone following an accident who is not a doctor, family member, or a lawyer that you retained. Clients are often disoriented, upset and stressed after the accident. Insurance companies will attempt to leverage this stress in their favor. They will call you and ask you about your injuries on a recorded line and clients often will say oh they are feeling better or they don’t know. But it turns out they actually have fractured ribs and they were trying to tough it out. Nothing can hurt you in any legal setting more than your own words. It is important that you choose carefully who you speak to regarding any injuries you sustained. The insurance companies can be extremely unscrupulous and leading in obtaining statements from victims


If you or a loved one is injured call our office immediately.  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 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.



Take a moment to review and understand your policies, including your:

  • Auto Liability coverage
  • Auto Property damage coverage
  • Underinsured motorist coverage
  • Medical Payments Coverage
  • Rental Car Coverage
  • Homeowners Insurance
  • Life Insurance
  • Renters Insurance
  • Insurance for Off-road Vehicles and Boats
  • Health Insurance

Happy New Year to all of our client’s, colleagues and vendors! We look forward to a prosperous year working together. The New Year brings an opportunity to change old habits and review our finances.  It is always good to take a moment to reflect and prepare for the upcoming year.

Hence, now is a good time to take a look at the insurance policies that you have in place as well as any needs or changes that you may have coming up in the coming year.  These may include new babies, new drivers, new homes, home improvement, new cars, physical challenges etc. Insurance covers almost every aspect of our lives and it is important to know what coverages you have before it is too late to change them in a time of need. Below is a list of what I consider to be the top 10 most important issues to look at when reviewing the most common types of insurance coverages:

1) Auto Insurance Liability Coverage: This is the coverage that protects you in the event that you are involved in an at fault accident and get sued by another driver. Often times people look for the least expensive coverage and accidents occur and they get sued.  At that time they find out they don’t have enough coverage to protect their assets. It is important to know that if your insurance is not sufficient to compensate someone who is injured by you in an accident, they can seek recovery against your personal assets including your home and bank accounts. It is important to renew your insurance coverage and make sure that your limits protect your assets. For example if you own a home and you have $100,000 in equity in your home, you really should have insurance liability coverage in the amount of 100/300 (meaning $100,000 per person and $300,000 per accident.)

2) Property Damage Coverage: The state minimum for property damage in Nevada is $20,000. This means that if you have a state minimum policy and you crash into a Lamborghini by glancing at your cell phone and running a light, you will be personally liable for the property damage in excess of $20,000 done to that vehicle. It is extremely important that your property damage limits reflect the city that you live in and are sufficient to cover some of the more expensive vehicles on the road in the event that you are an accident involving one of those types of vehicles.  In fact, almost every new vehicle on the road has a value of over $20,000.00.

3). Underinsured Motorist Coverage: (UM/UIM) This is automobile coverage on your policy that you pay for that covers you for personal injuries and medical bills in the event that the other driver either has a very small policy and cannot cover your bills or has no insurance at all. If you are in an accident that is not your fault, it is not automatic that you will recover damages. You can only recover what the other driver has for insurance or assets.  If the other driver has no insurance and no assets, you could be stuck for your own medical bills through no fault of your own. It is important to contact your agent or go online to look at your policy and make sure that you have underinsured motorist coverage to cover you in the event that you are hit by an uninsured driver or an underinsured driver. On any average given day in Nevada, statistics show that 10% to 15% of all drivers on the road are not insured. Don’t let yourself be victimized twice by getting into an accident and getting into an accident with an uninsured driver.

4) Medical Payments Coverage: This is coverage that you pay a very minimal amount for on your policy that provides immediate funds for medical bills that come in following a car accident. People often assume that the other drivers insurance policy will start paying your bills right away. Unfortunately, it does not work this way. They will not pay you until you have fully recovered and can make a total claim for your injuries. However, you may have ambulance and  hospital bills coming in in the meantime. This is where medical payments coverage can help cover you and prevent those bills from going to collections by paying those bills immediately. This is an often overlooked coverage that can provide great comfort and relief in the event that you are involved in an accident

5) Rental Car Coverage: Again, it is very important that you have rental car coverage on your own policy. If you are in an accident and have rental coverage your company will put you in a rental vehicle immediately. The other side will have to investigate and often wait for the police report or to talk to their own insured who is often not cooperative. If you do not have rental insurance coverage on your own policy you may have to wait a week to two weeks to be put into a rental car by the other driver or come out of pocket yourself and hope to be reimbursed. Having your own rental car coverage can protect you and your family and allow you to conduct your life as needed including going to work and driving kids to school following an accident.  Also, there are different types of rental coverage offered as to types of vehicles allowed and time allowed, so determine which coverage works best for you and your family.

6) Homeowners Insurance: It is always a good idea to review your homeowners policy on all properties that you own at the beginning of the year. Make sure that the values reflected in your declarations page adequately reflect your home’s value and any improvements you have made. For example if you have substantially remodeled your home and not reviewed your homeowners policy, your policy may not cover certain improvements that you made because they were not included when you purchased the policy.  Take a moment to review your declarations page and make sure it’s consistent with the value of your home at this time. Also, if you have purchased substantial jewelry or any other valuable electronics over and above the average allowance on the homeowners policy, you will want to add that to your policy. Do not wait until it is too late and you have suffered a loss to review these coverages.

7) Life Insurance: Make sure your life insurance policies are up-to-date and reflect the needs of your family. Sometimes people obtain these policies and additional children are born and policies in place are insufficient to take care of the family in the event of a tragedy. Be sure to take a moment to know what your coverages are and make sure they are sufficient to protect your family.

8) Renters Insurance:  Often times people do not even think of this coverage or they assume that their landlord will be liable for the loss of their personal possessions. This is not the case. If you are renting a home or an apartment and a fire or other disaster were to break out causing loss of the property, your personal items would not be covered. For this reason, it is important that you look into renters insurance to cover all of your personal belongings in a rental property in the event of a disaster.

9) Insurance for Off-road Vehicles and Boats: We have found in our practice that people often do not think of ensuring their boats or ATVs. Or they assume they are covered on a policy they already have. That is generally not the case. If you have purchased ATVs, four wheelers including Razors, Rhinos, Rangers, etc., these can be expensive off-road vehicles that need to be insured independently. This is the same for boats, jet skis and any other recreational vehicle you may own.

10) Health Insurance: This is a difficult subject and policies are all over the board on this. Most people don’t understand their policy or coverages. If you are fortunate to work for a corporation and have insurance through your company, you may want to contact HR if you have any events coming up such as major surgeries or childbirth to review your coverages. If you are purchasing health insurance, it is a vast sea of inequality and you will need to make sure that you review any potential policy closely. In our practice, we have unfortunately seen people taken advantage of time and again by “health insurance companies” who charge money for “Policy“ and the policy covers almost nothing. Do your research and make sure you understand what your coverages are getting before you purchase any type of health insurance policy independently.

If you or a loved one has a question about your insurance coverages, please don’t hesitate to call our office.  Also, 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 5 Things to Consider When Hiring a Personal Injury Attorney

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


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

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

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


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


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





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

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

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

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

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

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

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


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


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


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

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

Apology means guilt?

Is Saying I’m Sorry an Admission of Guilt?

Imagine this. You’re driving along on Eastern, trying to get to your favorite donut shop. The tunes are playing loudly on the radio and you’re not paying much attention to the road as you sing along. The light ahead of you turns red and the cars stop, but you miss it. You slam on the brakes, unexpectedly. Suddenly, your rear fender finds itself lodged in the front fender of the car behind you. Horrified, you call the police and your personal injury lawyer. Then, you get out of your car and apologize profusely. After all, your mom raised you to be polite and apologize for things. But did you just admit your guilt? And can it cause you legal difficulty if your case goes to court?

Outcomes of Apologies in Court Cases

There’s two possible outcomes when you apologize after an accident. In one case, a sincere apology can lessen a person’s anger, thus making it less likely that they will seek legal action. In the other case, it’s a question of “anything you say can be used against you in a court of law.” By apologizing, they may argue you indicate your liability in the matter and it gives the other party a compelling case against you.

Thirty-six states have recognized the detriment that an apology can cause to a potential defendant and have enacted “Apology Laws”. First applied to medical malpractice, the laws protect anyone who makes a statement of sympathy or benevolent gesture following an accident. As long as the person doesn’t actually admit guilt, such statements are not admissible as evidence. Unfortunately, Nevada is not one of those states, so legal protections for an apology are limited.

So, how do you apologize without admitting guilt?

First, think about if an apology really is important in the situation. It might be your gut reaction, even if you did nothing wrong, but is it necessary? In our example above, there was obviously a lapse in judgment by driving distractedly, but that doesn’t necessarily mean you should apologize for being in an accident.

Second, if you decide that an apology is worthwhile, don’t admit any fault or place any blame. It’s important to not give any indication that you are liable. You shouldn’t express any opinions or hunches about what caused the accident or how it could have been avoided.

Third, consider finding something different to say, instead of “I’m sorry.” Simply saying “I’m sorry” is relatively ambiguous and can be applied to many different situations, including accidents, funerals, and arguments. Find specific language for the sentiment you are trying to express. In our above example, you might say, “I understand how frustrating this situation is” instead of “I’m sorry I stopped so abruptly.”

Dr. Ken Broda-Bahm, a Ph.D. in persuasive strategies, gave two suggestions on how to show you are sorry: one, acknowledge pain, death, loss, and inconvenience; two, don’t let acknowledgement get confused with responsibility. In short, there are many occasions when apologizing is meaningful, and can even be beneficial, but don’t let anyone mistake saying “I’m sorry” for saying “It’s my fault.”

In general, when you’ve been in an accident, the old adage probably still holds true: “It’s better to say nothing at all.” And if you have been in an accident, please call our office today at 702-450-4868 and we can explain your legal rights and remedies under the law.

firework injuries lawyer

Personal Injury Damages for Firework Related Injuries

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

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

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

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

Reported fireworks-related injuries have included  loss of eyesight, burns,  lacerations. punctures wounds and even death.  At the Law Offices of Laura Hunt, we urge all our fellow Nevada residents to prevent injuries and have a safe and happy Fourth of July.

The following safety tips can reduce the risk of firework injuries:

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

If you are injured by Fireworks, Know your Legal Rights

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

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

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

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

Estimated Fireworks-Related Injuries: 2000–2015

 Year                Estimated Injuries                               Injuries per 100,000 People

2015                            11,900                                      3. 7

2014                            10,500                                      3.3

2013                            11,400                                      3.6

2012                            8,700                                       2.8

2011                            9,600                                       3.1

2010                            8,600                                       2.8

2009                            8,800                                       2.9

2008                            7,000                                       2.3

2007                            9,800                                       3.3

2006                            9,200                                       3.1

2005                            10,800                                     3.7

2004                            9,600                                       3.3

2003                            9,300                                       3.2

2002                            8,800                                       3.1

2001                            9,500                                       3.3

2000                            11,000                                      3.9

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

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

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

Estimated Fireworks-Related Injuries

By Type of Fireworks Device

June 19–July 19, 2015


Fireworks Device Type           Estimated Injuries                   Percent (%)


Total                                                   8,000                                                   100

All Firecrackers                                1,200                                                   16

Small                                       500                                                       6

Illegal                                      200                                                       3

Unspecified                             500                                                       6

All Rockets                                        900                                                      11

Bottle Rockets                        800                                                      10

Other Rockets                                     100                                                      1

All Other Devices                              3,700                                                   47

Sparklers                                 1,900                                                   24

Fountains                                100                                                        1

Novelties                                 300                                                        4

Multiple Tube                                     400                                                        5

Reloadable Shells                   800                                                        9

Roman Candles                       300                                                        3

Homemade/Altered                           200                                                        3

Public Display                                   200                                                        3

Unspecified                                        1,700                                                     21


Source: NEISS, U.S. Consumer Product Safety Commission. Based on 208 NEISS emergency department-reported

injuries between June 19, 2015 and July 19, 2015, and supplemented by 31 completed In-Depth Investigations (IDIs).

Fireworks types are obtained from the IDI, when available; otherwise, fireworks types are identified from information

in victims’ reports to emergency department staff that were contained in the NEISS narrative. Illegal firecrackers

include M-80s, M-1000s, Quarter Sticks, and other firecrackers that are banned under the Federal Hazardous

Substances Act (FHSA) (16 C.F.R. § 1500.17). Fireworks that may be illegal under state and local regulations are not

listed as illegal, unless they violate the FHSA. Subtotal estimates are presented below the estimates for firework type.

Estimates are rounded to the nearest 100 injuries. Estimates may not sum to subtotal or total due to rounding.

Percentages are calculated from the actual estimates, and they may not add to subtotals or the total due to rounding.

Who Is Liable to Pay for Your Medical Bills After a Firework Injury?

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

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

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

City Of Henderson and Clark County Fireworks Laws

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

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

Safe and Sane fireworks  should only be used by adults and should be kept away from children. Safe and Sane fireworks can cause serious injury or death to adults and children and can cause fires.  At the Law Offices of Laura Hunt, we urge you and your family exercise extreme caution when using Safe and Sane fireworks.

Illegal Fireworks In the City of Henderson and Clark County

Fireworks that shoot  through the air, explode, or rotate on the ground are illegal throughout Clark County, including the City of Henderson. They have been declared to be unsafe because the fireworks user does not have control over where they land, which can potentially cause a fire. Illegal fireworks are usually sold outside Clark County and including on  the Indian Reservation. Those fireworks purchased on the Indian Reservation are expected to be used on the Reservation at a special designated area and should not be transported off the property. If you bring illegal fireworks brought into Clark County or the City of Henderson,  they can be confiscated, and a person possessing or using them can be ticketed. The penalty is a $1,000 fine and/or a maximum of six months in jail.  Private use of fireworks of any kind is not allowed on public property, such as those owned by the Bureau of Land Management, US Forest Service, Lake Mead Recreational Area, or City of Henderson parks, trail facilities, streets or sidewalks. The use of fireworks on public property can result in a fine of up to $10,000 and a year in jail as well as the costs associated with resource damage, suppression costs, and injuries.  Safe and Sane fireworks are illegal at any time of year other than the week of  June 28 until July 4 at 11:59 p.m.. on July 4.


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

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

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

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

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

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

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


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

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

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


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

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

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

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

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

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



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



The Weather Wrecked My Car


Bad weather can cause more than a bad hair day or a dirty car. Strong winds, heavy rains and blowing debris can cause trees to fall and roads to become unsafe causing accidents to happen. When conditions are less than ideal, accidents occur. The most common cause of vehicle related accidents due to weather is a loss of traction. When weather conditions become inclement and the roads become wet, muddy and sandy, vehicle traction is reduced and cars have a significantly increased chance of slipping and losing control. The best way to reduce your chance of losing traction on wet roads and in windy weather conditions is to drive slower and more smoothly. Try not to follow cars too closely and avoid jamming on the gas and brakes or making sudden and violent maneuvers with the steering wheel. The best way to think of this is if you had to cross a wet floor or a skating ring in your tennis shoes, you would tread in a slow and controlled manner and very carefully.  Use those principles when driving in windy and wet road conditions.

The best option is always to try and stay home in bad weather. Unfortunately, today’s reality just does not allow for that.  Work, school activities and responsibilities take us out on the roads in bad weather.  When you cannot avoid taking the risk, there is some important information that you should know if you are involved in an accident due to the loss of traction because of wet, muddy, snowy or icy roads in Henderson Nevada or if you are involved in an accident or cause property damage as a result of bad weather due to falling trees or debris as a result of bad weather in Henderson Nevada.

Rain And Accidents

I’ll take these topics in two sections.

First what if I lose control of my car due to bad weather

If you find your car starting to skid or lose traction or what we call “hydroplane” on wet roads, don’t panic.  Hydroplaning is when a layer of water prevents direct contact between your tires and the road. Take your foot off the gas and look in front of the vehicle.  Look where you want to go and gently and carefully steer the vehicle in that direction.  Apply very light brake pressure only if it is needed. Once the vehicle is traveling in the direction that you intend to go, you can lightly apply the gas as you regain control. This is a difficult driving situation and your skill will improve with experience.  If it is possible, it is best to learn these skills by practicing in a parking lot that is empty and the conditions are controlled.  I would recommend having an experienced driver teach you how to recover from a skid.  The most important thing to remember in these situations is not to panic and look in front of the vehicle and continue to steer the vehicle where you want to go.

Drivers sometimes have a natural inclination to look at objects they don’t want to hit and steer towards them and end up hitting the objects instead of maintaining their path. If you are able to continue looking where you want to go when you’ve lost control of a moving vehicle, you will be better able to regain control.  It is possible to regain control of the vehicle. However, if an accident occurs as a result of bad weather conditions in Henderson Nevada, the most important thing in any accident that occurs for any reason is to make sure that everyone in your vehicle is OK.  You should immediately call 911 to reach police and emergency medical personnel after any accident. Regardless of whether or not anyone appears severely injured, emergency personnel should be summoned to the scene.  Head injuries or internal injuries often cannot be observed immediately, and medical personnel are trained to detect these life-threatening injuries.  It is important not to panic, but to be calm and controlled and assist others.  Speak clearly when contacting emergency personnel to give them your location and the information that they need.

People often ask who pays for my damages if I am the only one involved in the accident

If you are the only car involved in the accident, you should call your insurance company as soon as you have arrived at safety and the parties in your vehicle have been treated and are safe. Use your cell phone to take pictures of your vehicle, the roadway and the surrounding areas. You will have to make a claim for the damage to your vehicle on your collision insurance. Unfortunately, you will be responsible for your deductible even though bad weather conditions caused you to lose control of your car.  An experienced attorney can help you fully recover your vehicle damage, and often there is coverage available for your injuries.  With 8 years experience working for insurance companies, and the past 8 years spent helping victims of accidents recover their property damage and money for their injuries, I can help you if you have an accident as a result of bad weather conditions.

If a Tree Falls on My House or Car, Am I Covered?

Sometimes it takes just one good storm to topple what was once a sturdy tree in your yard or at a business. Once the storm is over, a lawyer can assist you to determine which insurance will help pay for the cost of removing the branches and repairing damage if the tree fell on your home or car.

Whether your homeowners insurance policy includes coverage for fallen trees typically depends on a number of factors, such as what caused the tree to fall and what kind of damage resulted. Which coverage will cover your car will depend on whose tree fell on your vehicle and why.

Here are answers to some frequently asked questions about trees and insurance.

If the tree was otherwise healthy and toppled due to wind, a typical homeowners insurance policy will likely pay to repair damage to your home or other structure on your property, the Insurance Information Institute (III) says.  Be aware of deductibles.

Q: If a tree falls on my own property, will my own homeowner’s policy pay the damages?

A: This question depends on the facts.  A homeowner’s insurance policy generally protects your home against stated causes of loss, defined as perils. “Covered perils” are generally inclusive of wind damage.  Therefore, the reason that the tree to fell is important. If the tree was in good condition at the time of the storm and fell due to wind, a standard homeowner’s insurance policy will likely cover the damages to your home or other structure on your property, the Insurance Information Institute (III) says.

If the tree was rotting before the accident, the homeowners insurance usually won’t cover the damage because they will claim it is a maintenance issue. If you have sustained a large loss and the insurance company claims it is a maintenance issue, you should call a lawyer before the tree is removed and take a large number of photos of the downed tree including roots.

Q: What if my tree fell on my neighbor’s car?

A: Generally, the owner of the fallen tree is not responsible for the damage unless he negligently maintained the tree.  If your tree falls on your neighbor’s vehicle, your neighbor’s vehicle auto insurance should pay the claim if your neighbor carries comprehensive coverage. If your neighbor’s tree falls on your car, your comprehensive coverage applies.

Q: What happens if the tree was on someone else’s property?

A: If you have damage because of someone else’s tree, the Insurance Information Institute (III) states your homeowners insurance will likely cover the damage to covered property.


Q: Am I responsible if my tree falls on my neighbor’s property?

A: You are only responsible if the tree was negligently maintained usually meaning rotting and not previously removed.  That would make you a contributing factor to the tree falling down and negligent.  Otherwise, your neighbor will have to file a claim through their own insurance.

Q: Does homeowners’ insurance cover removing tree after it has fallen?

  1. Usually, only if the tree damaged property. If the tree fell without causing damage to a structure on your property, insurance won’t likely cover the cost of removing the debris. Insurance Information Institute (III) says.