Category Archives: Accident Litigation

What if I am Injured in Multiple Accidents?

What Do I do if I am involved in Multiple injury accidents? 

  1. Seek medical care for the second accident immediately following the accident; 
  2. Explain in detail any new symptoms you are having;
  3. Make notes of the difference in your condition after the second accident;
  4. Make an appointment with the same doctor so she can document your new injuries or a worsening of your previous injuries;
  5. Be candid with all your doctors about both of your injury accidents.

If you are injured in two different accidents close together, you can recover for both injuries from both accidents. You will need to immediately inform your car accident lawyer about the second accident. It’s not an unusual scenario. If you are injured in an auto accident and two months later is injured in a second car accident involving different defendants, insurance companies for the adverse driver’s  will want to point the finger at the injuries coming from the other  accident.  The case is now more complicated due to the multiple injuries. The question becomes, how will the insurance companies to handle the apportionment of the injuries when there were two accidents causing the same or similar injury? It is important to contact an attorney after any injury accident. At TheOneLawyer.com Henderson Injury attorneys, we will make sure your rights are protected.  With nearly ten years of experience representing the insurance companies, Henderson Injury Accident attorney Laura Payne-Hunt, Esq. has the experience you need to battle the insurance company.  The law is well settled regarding burden of proof regarding the injured plaintiff who is involved in multiple car accidents.  The Nevada Supreme Court ruled on the issue of multiple injuries from multiple car accidents.  

The Nevada Supreme Court ruled on the issue of injuries from multiple accidents in the case of Kleitz v. Raskin, 738 P.2d 508 (1987). In the Kleitz decision, appellant Kleitz was injured in an automobile accident on December 23, 1981. His treating doctor examined Kleitz and found that he was suffering from a loss of lumbar curve due to muscle spasms.  The doctor saw Kleitz on January 25, 1982 and believed that Kleitz should be hospitalized.  Hi doctor was of the opinion that Kleitz may have suffered a herniated disc from the December 23, 1981, accident.

               Unfortunately, while Kleitz was driving to the hospital on January 25th, Kleitz after his doctor’s appointment, was involved in a second automobile accident which caused injury. The driver of the adverse vehicle in the second accident was respondent, Ellen Raskin. In 1985, Kleitz brought suit against the persons involved in both the first accident and the second accident. Kleitz settled with the first accident defendants but reserved his rights against Raskin. Raskin then moved for summary judgment alleging that the second accident did not cause additional injury to Kleitz. Summary judgment is when a party asks a court to make a finding as a matter of law, rather than allowing a jury to decide the facts.  Raskin used the doctor’s testimony who stated that he had examined Kleitz before and after the second accident and found that his condition was unchanged in support of the  motion for summary judgment .  Kleitz moved for partial summary judgment on a legal issue asking the trial court if two unrelated  at fault drivers in two separate automobile accidents produce an injury to the plaintiff which cannot be apportioned between the two impacts, are both jointly and severally liable to the plaintiff?

The trial court granted Raskin’s motion for summary judgment finding that “Inasmuch as plaintiff cannot apportion damages as between tortfeasors, the jury would have nothing upon which to base a reasoned opinion as to damages to be awarded in the event liability was established.”  On appeal, the Nevada Supreme Court concluded that under the facts presented, the plaintiff must prove that the second accident defendant’s actions were the cause of the injury. Once this is shown by the Plaintiff, the burden of proof then shifts to the defendant to apportion damages. If the defendant fails to meet his burden, then he is jointly and severally liable for the entire amount of the plaintiff’s damages attributable to the injury.

In reaching this decision, the Nevada Supreme Court relied upon the Washington Supreme Court case of Phennah v. Whalen, 621 P. 2d 1304 (1980). In Phennah, the plaintiff was injured in two separate automobile accidents that took place about four months apart. Trial testimony of the doctors clearly established that both accidents caused the plaintiff’s injury, but there was no basis for apportioning damages between the accidents. The issue before the court in Phennah was whether the plaintiff was required to offer an evidentiary basis for the segregation of damages among multiple defendants. The Wisconsin Supreme Court made the following ruling:

“Once a plaintiff has proved that each successive negligent defendant has caused some damage, the burden of proving allocation of those damages among themselves is upon the defendants; if the jury finds that the harm is indivisible, than the defendants are jointly and severally liable for the entire harm. Id. 1310.”

The Nevada Supreme Court agreed with the findings and result in the Phennah decision and noted that a similar legal principle is also found in section 433B(2) of the Restatement of Torts, which explains that the rational for placing upon the defendant the burden of apportioning damages as follows:

“As between the proved tortfeasors who has clearly caused some harm, and the entirely innocent plaintiff, any hardship due to lack of evidence as to the extent of the harm caused, should fall upon the former.” Restatement (Second) of Torts, Section 433B Comment D (1965).

As stated in both the Restatement and the Phennah decision, the plaintiff must first establish that both the defendant’s actions were the cause of his/her injuries and then the burden shifts to the defendant to apportion damages.  The Nevada Supreme Court reversed summary judgment but stated that Raskin may renew his motion for summary judgment at which time Kleitz must demonstrate a genuine issue of material fact concerning whether the second accident contributed to his injury.  A review of this case las shows why it is important for your doctors to state that you have injuries from both accidents.  Staying with the same doctors for both accidents will help your case.  

The best way to protect your claim if you are involved in two injury accidents of any kind is to be candid and honest with your attorney and your doctors about these conditions at your first consultation. Henderson Auto Accident Injury attorneys at the Law Offices of Laura Payne Hunt, have handled hundreds of cases involving victims of multiple car accidents. Your truthfulness about your medical conditions and injuries will allow your doctors to understand your new injuries.  It is important to be open about your past medical history.  This honesty will put you in the best position possible for a maximum recovery in your case. Insurance companies and defense attorneys will have access to past accident history whether or not you are candid.  It can damage your case if they find it be other means.  That is why it is important to remember all of your past injuries when discussing your case with your attorney and your doctor and let your attorney and doctors know about these issues. If you are not honest in disclosing these conditions in the beginning, you are setting yourself up for many different problems including harming your credibility, ruining your entire case, and even subjecting yourself to legal action.

If you have a question about a prior accident or multiple injuries, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  If you have been in any type of accident and have questions, please don’t hesitate to contact our Henderson and Las Vegas Accident injury offices today.  At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

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

HOW MUCH COLLSION INSURANCE SHOULD YOU HAVE?

TOP THREE REASONS TO HAVE ENOUGH COLLISION COVERAGE

  1. If you crash into an expensive car, you will have enough to cover the repairs;
  1. If there are multiple cars involved, you will have enough coverage for the repairs to all;
  1. If you crash into an expensive vehicle and a block wall owned by the city you will have enough to cover repairs to the vehicle and the wall

What is liability collision coverage?

Often referred to simply as liability coverage, liability collision coverage covers the damage to other vehicles or personal property that you may destroy as a result of your own negligence. Insurance that is required by law is often referred to as liability insurance. However, liability insurance generally has two parts. The first part is liability for bodily injury that you could inflict upon another driver because of your negligence. The second part of liability insurance is for property damage that you could inflict due to your own negligence. These two coverages are bundled together and referred to as liability insurance. This blog is dedicated to the property damage portion of what is generally referred to as automobile liability coverage. Every state has a different minimum amount of property damage coverage required by law. In the state of Nevada, you are required to carry $20,000 in liability coverage for property damage. In the age of the obsession with high-end vehicles, $20,000 is a staggeringly low amount of money to cover property damage in the event of a major accident. 

In the state of Nevada, if the cost to repair a vehicle exceeds 65% of its value, it is declared a total loss by state law and your automobile insurance liability carrier would be required to pay the fair market value of that vehicle. It is not difficult to see a situation where an automobile collision could result in extraordinarily high property damage — damages well over $20,000.  It is also important to point out that liability collision coverage refers to collision coverage for other vehicles or property that are damaged as a result of your own negligence and it has nothing to do with your own vehicle. If you want to cover damages to your own vehicle because of an accident that was your fault, you need to maintain collision coverage. Collision coverage will be the sole topic of future blog. Collision coverage refers to coverage that you purchase to cover your own vehicle regardless of who was at fault if the vehicle is damaged in a collision.  Collision coverage is not governed by limits. The only limit would be the full fair market value of the vehicle that is covered on the policy.

DETERMINING HOW MUCH LIABILTY COLLISION COVERAGE TO CARRY

Unfortunately, the need for how much liability collision coverage is much more complex.  Nevada law only requires that you maintain $20,000 in liability collision coverage. However, picture this scenario. You are driving to work one morning, and you receive a call from your child who has forgotten his science project.  You know that your child has worked on this project for the past three weeks and it will be 40% of their entire class grade. Although you are irritated, you want to help your child succeed and, in your haste to get home, you turn left in front of the vehicle oncoming and cause an automobile collision.  To compound the situation, the car that hit you is a brand-new high-end vehicle.  Even worse, the car spins into a traffic pole and becomes a total loss. If you are carrying minimum insurance limits, you are going to be personally liable to that driver for the damage to his vehicle. But — you think –lucky for you the high-end vehicle driver maintains her own insurance and she’s covered by her insurance company. Not so fast, it is not that easy. When the driver struck that pole, it caused damage to property which you are also liable to repair. Not surprisingly, the cost of the repairs to the pole are significant based upon the city’s pay scale.  You are also liable for that bill. There are a lot of scenarios that would exceed $20,000 in property damage resulting from an automobile collision.

In the past, most people bought their insurance from an agent and they were able to sit down with someone knowledgeable about buying insurance and purchase the right coverage for their needs. In the world we live in, people are buying insurance online, often while multitasking and even making these major purchases in the wee hours of the morning.  Although surfing Amazon in the wee hours of the morning and seeing the surprise that lands at your door two days later can be fun, (not that I have ever done that, LOL) purchasing insurance that way will not be fun following one of the scenarios previously discussed.  This is a purchase you must put some consideration into.  

Avoiding personal exposure.

The primary purpose, even the sole purpose, of maintaining automobile liability coverage is to protect you, your assets, and your family from personal liability in the event you are at fault for an automobile collision. The time to determine the amount of coverage you need is not the time that you are stepping out of your car to call 911. It is a decision that should be made with great thought and consulting with an insurance agent. I urge you to purchase your insurance from a reputable experienced casualty insurance agent so that they can discuss your family’s needs and assets to help you purchase the right coverage.   At the law offices of TheOneLawyer.com, we have over 20 years of experience in litigating automobile insurance casualty claims and are happy to answer any questions you may have regarding what type of coverage you may need. We have seen thousands of scenarios over the years and can help you determine what coverages would best protect you and your family. Please do not hesitate to call us with any questions regarding insurance coverages.  I highly recommend that you carry a minimum of $50,000.00 in liability property damage coverage and ideally you should have at least $100,000.00 in liability collision coverage. 

By contacting a lawyer immediately, you can receive the most money for your injury claim. At TheOneLawyer.com we will quickly obtain the report for you.   Having worked in the insurance industry as an attorney for 9 years before opening our boutique law firm specializing in helping injured people, I reviewed thousands of insurance policies.   With extensive experience in the insurance field, I can help you review your injury claim and maximize the money you receive in your pocket after your bills and fees are paid.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

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

HOW MUCH BODILY INJURY LIABILIY COVERAGE SHOULD YOU HAVE?

1)  You are less likely to get dragged into a lawsuit if you are at fault;

2) You are less likely to have personal exposure of your own assets;

3) You will be able to cover the damages of anyone you might injure in a car accident;

4) Family members in your car will be able to get their medical bills paid if you are at fault;

5) You will not have to file a bankruptcy if you have a major accident for which you are at fault.

As most people know, liability car insurance is required in almost every state in the United States.  Yes, I did say almost. Surprisingly only 49 of the 50 states in the United States require all drivers to have liability coverage. In the state of New Hampshire, you do not have to have liability coverage if you’re able to prove to the state that you can meet the minimum financial responsibility requirements in the event of an accident. What that means is that the state minimum liability coverage in New Hampshire is $25,000 per person and $50,000 per accident and if you are in an auto accident and do not have liability insurance you would be required by the state to pay damages at least up to that amount out of your own pocket. Regardless of what state you are in, it would be very unwise to drive on the roadways without liability insurance. Every state has different requirements regarding liability insurance policies. Some states require underinsured motorist coverage or what is also known as personal injury protection. Other states only require bodily injury coverage and property damage liability coverage. Nevada is one of those states that only requires bodily injury a.k.a. liability insurance and property damage insurance for liability. The basic premise of insurance, although the laws and regulations vary from state to state, is to prevent people from being financially harmed by someone else’s negligence on the roadways.

The topic for this blog is how much liability insurance do you need to protect your family. Sadly, I think many people fail to ask themselves this question when purchasing their auto insurance.  The State of Nevada requires you to maintain a $25,000 per person $50,000 per accident liability insurance policy for bodily injury to drivers which you may injure in an auto accident for which you are at fault. Although there are many different coverages on most automobile policies, this blog is dedicated to how much coverage you should have for someone who is injured as a result of your own negligence in an auto accident.   Most experts recommend caring a policy that is $100,000 per person $300,000 per accident and $100,000 for property damage.  What this means is that if you cause an auto accident, your auto insurance company will pay up to $100,000 for personal injuries to each occupant in the other vehicle or a total of $300,000 for a maximum. Practically speaking this means that if they were three people in the vehicle that you hit that were all injured seriously, they could potentially each recover $100,000 from your automobile liability insurance carrier. However, if there were four or more persons in a vehicle in which you were involved in the accident with and you were at fault, those injured persons would have to split a combined maximum of $300,000 to cover their injuries. With the cost of medical bills and hospitalizations, it does not take long for large medical bills to be incurred by persons injured in auto accidents.

DETERMINING HOW MUCH COVERAGE TO BUY

Whenever clients ask me about what kind of insurance they should have, I advise them to think of the worst-case scenario.  I know this is something we don’t like to think about. However, that is the purpose of insurance. When you buy a homeowner policy, they essentially tell you what the worst-case scenario is because most major insurance companies determine the amount of coverage that will be necessary to rebuild the dwelling and replace its contents. Unfortunately, when you buy liability insurance there is not as precise a measure of potential harm.  As an attorney who has handled thousands of auto accident claims both on behalf of a major insurance company and on behalf of the injured victims, I would strongly advise you to maintain enough liability coverage to protect you and your assets in the event of a major automobile collision.  You can also obtain what is called an umbrella policy which I will dedicate an upcoming blog to that type of policy. In a nutshell, an umbrella policy refers to a policy of insurance for liability that is over and above a.k.a. in excess of the underlying casualty liability policy. What this means is that it’s just another layer of coverage they can generally be purchased for a reasonable yearly cost from the same insurance company that you buy your auto insurance policy from and maintain. Most major carriers require a large underlying policy to purchase an umbrella policy. But the umbrella policy covers any accidents that may happen on your home policy and your auto policy. Traditionally most carriers require either a 100/300 or 250/250 policy in order to purchase an umbrella policy.

So, when determining how much automobile liability coverage you should have it is important to consider your underlying assets. If you have a large estate, for example if your home is paid for, you would be wise to have a large liability policy either 100/300 or 250/500 because if the damages of the people that you are involved in a collision with exceed your insurance policy, they could get a judgment and potentially seize your personal assets including your home or bank accounts. This is very scary to think about and that is why purchasing insurance to cover your personal property in the event that you are an accident is extremely important. Years ago, people would sit down with an agent and the agent will discuss their assets and their needs and advise them as to what type of policy would best protect them. There are still many great insurance agents, and I would highly recommend that when you purchase your insurance policy you make an appointment to sit down with an insurance agent from a major carrier and discuss your insurance needs. They will assist you in purchasing your policies with your needs in mind. Unfortunately, many people buy insurance online, sometimes late at night, with an iPad.  I find late night iPad surfing to be a great time to catch up on the news, it is not necessarily a good time to make major purchases like insurance. Although I say that with some sarcasm, it is the world we live in. We live in a world where people buy everything online and often times, we are doing so many things at once that we do not start to really look at the buttons we are pushing.   We are just trying to get to the end and buy. However, when buying insurance, it is extremely important that you consider the needs of you and your family and the potential losses that could be incurred if you do not have the proper insurance coverage.

For example, let’s say you are driving home from work one night and you get a frantic call from a dear friend that tragedy has occurred in your family. As you were talking to your friend traffic slams to a halt, and you look up and before you know it you have struck the car in front of you at a high rate of speed and the car has been pushed into another car which has spun into the sidewall and now there are three or four cars involved in this collision that happened almost instantaneously. As you collect your thoughts and get out of the car and start to call 911, that is not the time that you want to consider how much insurance coverage you are carrying.  It is important to consider these types of scenarios at the time that you purchase your automobile liability coverage. If there are more than two or three cars in a collision, damages can quickly exceed six figures. Again, I urge you to sit down with an experienced insurance agent when purchasing your car insurance.

At the Offices of TheOneLawyer.com, we have over 20 years of experience in the insurance litigation industry and are happy to discuss your insurance needs at any time. We are not insurance agents, so we do not promote any carrier, nor can we advise on cost of coverages, but we can discuss what you should be looking for when you go out to purchase your insurance and what type of coverages will cover the damages that you may be facing. For any questions regarding your automobile insurance policy coverages please do not hesitate to contact us at TheOneLawyer.com.

By contacting a lawyer immediately, you can receive the most money for your injury claim. At TheOneLawyer.com we will quickly obtain the report for you.   Having worked in the insurance industry as an attorney for 9 years before opening our boutique law firm specializing in helping injured people, I reviewed thousands of insurance policies.   With extensive experience in the insurance field, I can help you review your injury claim and maximize the money you receive in your pocket after your bills and fees are paid.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

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

HOW TO OBTAIN A TRAFFIC ACCIDENT REPORT IN SOUTHERN NEVADA

FIVE THINGS TO KNOW ABOUT HOW TO GET A POLICE REPORT FOR AN AUTO ACCIDENT

  1. You will need to check the jurisdiction of the accident on the Police “tape” they will give you at the scene. Take a picture of that tape;
  1. For the City of Henderson, you can obtain the report at no cost at: Henderson Police Records 

Attention: Traffic Accident Records

223 Lead Street

Henderson, NV 89015

  1. For the LVMPD, you can obtain the report for ten dollars at:   

LVMPD Police Records Section

Attention: Traffic Accident Records

  1. Martin Luther King Blvd., Bldg. C

Las Vegas, NV 89106

  1. For the City of North Las Vegas, you can obtain the report for $5 dollars at: 2266 Civic Center Dr. 
                                                                                                                              North Las Vegas, NV  89030
                                                                                                                              Phone: (702) 633-1715
  1. For the Nevada Highway Patrol’ you can obtain the report for a cost of $10 at:

Nevada Highway Patrol Records Section

Attention: Traffic Accident Records

  1. Sunset Road

Las Vegas, NV 89118

How to Get A Traffic Accident Report

Clients come to us and often they have the police tape which is a receipt type paper that the officer will hand you at the scene of the accident. It is critical that you keep this piece of paper. In fact, I strongly advise that you take a photo of it, so it is not lost. This document which looks like a receipt contains the insurance information of the adverse driver, their driver’s license information, and Vin number of the vehicles involved in the accident.  It also has contact information for insurance companies and the other driver. Clients often believe that this is the actual police report. In fact, it is not. The police use this information that they input, and they prepare a complete report which can be retrieved from the department who investigated the accident. In southern Nevada there are four primary departments that have jurisdiction over traffic accident. 

 The department that responds to the scene will be either the City of Henderson, the City of North Las Vegas, the Las Vegas Metropolitan Police Department, or the Highway Patrol most likely. The document that you are given by the officer will clearly indicate which department is responding and their vehicles will also be marked as well. It is important that you go to the correct facility to obtain your report. These agencies are not crossed so one agency will not have the report of another. For example, the City of Henderson will not have a police report that was prepared by the Las Vegas Metropolitan Police Department. For your convenience, below we have listed the information of where to obtain and how to obtain each report. At Law Offices of TheOneLawyer.com we are able to get started on your case immediately to get you the treatment you need, and your car repaired quickly with the simple tape that you were given by the officer.  At TheOneLawyer.com we will obtain the report on your behalf. If you would like to get the full report, each agency has their own guidelines and locations.

Obtaining a Report from the LVMPD

The cost to obtain a Traffic Collision Reports from the LVMPD is $10.00. You can request the report at LVMPD Police Records Section 400 Martin Luther King Blvd., Bldg. C, Las Vegas, NV 89106 or online.  Your request cannot be completed without these important an email address, a phone number with area code and an event number or date/time and location of accident to obtain a report.

Obtaining a Report from the City of North Las Vegas

The City of North Las Vegas is open Monday through Thursday 9:00 a.m. to 5:00 p.m. (closed holidays).  The day after a holiday and Mondays are usually the busiest days. The records office is located at: 

2266 Civic Center Dr. 
North Las Vegas, NV  89030
Phone: (702) 633-1715


They have the option to request a report by mail.  To make the request by mail, include a copy of your identification, a notarized letter with case number and/or any other pertinent information and a self-addressed stamped/postage paid envelope.  If you are requesting a 911 call or photos, the return envelope must accommodate a CD.  You must include all fees for the reports with the request. The Record Division for the City of North Las Vegas is open to request copies of reports or to obtain background checks Monday through Thursday from 9:00 a.m. to 5:00 p.m.

The following is a list of the fees as of April 2021 (personal checks are accepted)

Police Reports$5.00 per report
Police Reports on Microfilm$4.00 for first page, $1.00 each additional page
Photographs$10.00 if on disc, $2.00 per page for color photos
SCOPE (Background Check)$10.00
Employment Background Check$10.00 – The employer must present a signed release from the employee for whom the background check is being conducted
Requests for 911 Calls$10.00 each
Radio Tickets$5.00 each
Witness Statements$5.00 each
Miscellaneous Report Attachments$5.00 each

Obtaining a Report from the City of Henderson

Traffic accident reports from the city of Henderson are available online, free of charge, at crashdocs.org. If the accident is still under investigation, it will not be available until the investigation is complete and the case is closed. Henderson Police accident reports are generally available online approximately 48 to 72 hours after the accident.  They can also be picked up at 223 Lead Street, Henderson, NV 89015.

Obtaining a Report from the Nevada Highway Patrol https://nhp.nv.gov/Reports/Crash_Report_Request/ 

In order to obtain a copy of a Nevada Highway Patrol Traffic accident report of a collision that you were involved in, in Southern Nevada, you can go to 4615 Sunset Road, Las Vegas, Nevada or you can go online.  Remember you will need to allow seven to fourteen business days from the day of the automobile accident for accident report to be completed and available for release. Also, please not that each accident report will cost ten dollars ($10) and five dollars ($5) for a photo CD.  Accidents involving fatalities will take much longer as the investigation is much more detailed.  

By contacting a lawyer immediately, you can receive the most money for your injury claim. At TheOneLawyer.com we will quickly obtain the report for you.   Having worked in the insurance industry as an attorney for 9 years before opening our boutique law firm specializing in helping injured people, I reviewed thousands of insurance policies.   With extensive experience in the insurance field, I can help you review your injury claim  and maximize the money you receive in your pocket after your bills and fees are paid.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

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

WHY YOU SHOULD HAVE MEDICAL PAYMENTS COVERAGE ON YOUR AUTO POLICY

FIVE THINGS TO KNOW ABOUT MEDICAL PAYMENTS COVERAGE 

  1. MedPay will pay your medical bills even if you are at fault;
  1. Medpay will pay all co-pays from the accident if you have health insurance;
  1. Medpay will pay medical bills without a referral from an accident even if your health 

            insurance does not or you do not have health insurance;

  1. The average cost to have MedPay per month is generally an additional $2per month  for $1,000 in coverage to $37 for $25,000 in coverage for $25,000 in coverage;

https://www.valuepenguin.com/medical-payments-car-insurance-coverage

  1. Medpay will cover funeral or emergency out of network expenses which health insurance often does not cover; 

Medical payments coverage, often referred to in the industry as MedPay, is a coverage that pays for medical or funeral expenses that occur because of an auto accident without referrals, deductions, or hassells. It is an optional coverage 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 as a pedestrian. Most importantly, this is coverage that it applies no matter who is at fault for the accident. This is critical.  If you cause the accident, this coverage will be the only coverage available to help with co-pays or any medical bills if you do not have health insurance.   In Nevada, the insurance companies must offer this to you when you buy your insurance.  

The relevant statute is NRS 687B.145(3) entitled “Provisions in policies of casualty insurance: Proration of recovery or benefits; uninsured and underinsured motorist coverage; coverage for medical expenses; insurer not entitled to subrogation upon payment made because of underinsured vehicle coverage.” Which states:

“3. An insurance company transacting motor vehicle insurance in this State must offer an insured under a policy covering the use of a passenger car, the option of purchasing coverage in an amount of at least $1,000 for the payment of reasonable and necessary medical expenses resulting from an accident. The offer must be made on a form approved by the Commissioner. The insurer is not required to reoffer the coverage to the insured in any replacement, reinstatement, substitute or amended policy, but the insured may purchase the coverage by requesting it in writing from the insurer. Each renewal must include a copy of the form offering such coverage.”

Unfortunately, unlike the UM/UIM provisions, there is no reference in NRS 687B.145(3) to a waiver form requirement.  In fact, the Nevada Supreme Court decision of Banks v. Progressive Northern Insurance Co., No. 2:12-CV-00861-KJD-VCF, 2012 WL 6697542 (D. Nev. Dec. 21, 2012), held that “if the Legislature meant to impose a written rejection requirement on MedPay coverage offers, it would have expressly so stated, as it did in NRS 690B.020 for minimum UM/UIM coverage.”   Therefore, it is on the consumer to carefully decide if this is a coverage they want to purchase.  

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. Frequently, 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.

MedPay coverage limits generally range from $2,000.00 to $25,000.00. It is important to maximize benefits in an auto accident. At the TheOneLawyer.com we have 20 years’ experience in making sure that our clients recover the maximum amount of money in their pocket and all their bills or timely paid.

WHY YOU NEED MEDPAY WHEN YOU HAVE HEALTH INSURANCE

Sadly, I have had clients tell me that their agent advised them they did not need MedPay coverage if they have health insurance. 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 (aka reimbursed) out of your settlement. However, even if health insurance, it  does “cover” all of 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. The ambulance bill is often only covered at a very small portion by health insurers and the remaining balance will go to collections quickly.  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.

COST OF MEDICAL PAYMENTS COVEREAGE

MedPay is a coverage is reasonable and allows policyholders to 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 add to your policy at any time. Call your agent or your carrier to discuss the cost of adding this coverage or go online to check.  Value Penguin did research regarding the costs.  Below are their finding of some examples of the additional cost added to a premium:

https://www.valuepenguin.com/medical-payments-car-insurance-coverage

CONTACT TheOneLawyer.com IF YOU ARE INJURED  IN AN ACCIDENT

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 payments 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 TheOneLawyer.com,we work diligently to maximize our client’s benefits.

By contacting a lawyer immediately, you can receive the most money for your injury claim. Having worked in the insurance industry as an attorney for 9 years before opening our boutique law firm specializing in helping injured people, I reviewed thousands of insurance policies.   With extensive experience in the insurance field, I can help you review your injury claim  and maximize the money you receive in your pocket after your bills and fees are paid.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

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

WHAT HAPPENS IF YOU GET IN AN ACCIDENT IN A COMMON CARRIER LIKE AN UBER or LYFT

FIVE THINGS TO KNOW IF YOU ARE INVOLVED IN AN UBER OR LYFT ACCIDENT

  1. Uber and Lyft coverage is excess to the at fault driver’s insurance;
  2. The Uber or Lyft driver must be at fault for the commercial coverage to take effect;
  3. If you drive for a TNC you must advise your insurance company to be covered;
  4. Coverages are different depending on the stage of the ride-share;
  5. Contact TheOneLawyer.com if you are involved in accident with an Uber or Lyft vehicle.

I often get asked about what happens if someone is in an accident while they are a passenger in an Uber vehicle. Common carriers like a Lyft and Uber are referred to as Transportation Network Companies (TNC’s). These are people who use their personal vehicles to transport passengers for a charge. Such rides are generally arranged through apps installed on the passenger’s phone or mobile device. The app allows the TNC drivers, partners  and passengers to coordinate rides and receive payment for services made electronically directly to the TNC.  The question arises as to what insurance is applicable in an accident when a driver is contracted and driving for Uber or Lyft or another common carrier. In this blog I will answer the most common questions regarding accidents involving Uber and Lyft vehicles.

How Is A TNC Driver Defined Under the Law?

There are several phases of TNC activity. Generally, a TNC driver starts their shift by logging into the app and advising the network that they are available to accept passengers for rides. Once the drivers have logged into the app, they will receive a request from a passenger and start their route to pick up the passenger. From that time, there is the point where the passenger enters the vehicle, and the transportation begins. Finally, the transport ends when the passenger is successfully dropped off at their destination. TNC drivers are not considered to be driving for the network when they are not logged onto the app. During those times they are on their personal time and not covered by Uber or Lyft coverage.  Therefore, just because a driver does drive for Uber or Lyft during certain periods, if that driver is not driving for Uber or Lyft at the time of an accident their personal auto insurance and limits apply to the accident.

Insurance Requirements for TNC Drivers in Nevada

When an Uber or Lyft driver is not driving for the company, they are governed by Nevada law that all drivers are governed by to maintain liability coverage for bodily injury and property damage pursuant to NRS 485.185. That statute requires minimum liability insurance in the amount of $25,000 per person, $50,000 per accident and $20,000 for property damage. However, once the driver logs into the app and becomes available for rideshare services the insurance requirement changes.  

Once the driver is logged in, coverage must be at least $50,000 per person and $100,000 per accident and $25,000 for property damage when they do not have passengers.  This is the coverage that is required once the Uber or Lyft driver becomes available to accept passengers.  However, once the driver is on route to picking up a passenger and until that passenger exits the vehicle, liability coverage is required at $1.5 million per accident. This coverage must be continuously provided by the company’s insurance coverage or the drivers insurance coverage. Uber and Lyft both have this coverage on their drivers in Nevada.

Does Personal Insurance Cover A TNC Driver?

The answer to this question is generally no. Your personal insurance will not cover you if you are driving for Uber or Lyft. In fact, it has become proper common practice for insurance companies to immediately ask when the accident occurred if anyone was driving for a common carrier at the time of the accident. That does not mean you cannot get coverage; it means that you must advise your insurance company specifically that you will be driving as a common carrier and they must issue you a policy as a common carrier driver. It is extremely important that if you are going to drive for Uber or Lyft you understand that you need to notify your insurance company and advise them of this new position. If you do not, it is the same as driving without any insurance at all while you are driving for Uber and Lyft. 

If you take such a job, call your personal insurance immediately and tell them that you will be driving and make sure that you see your new policy in writing that they have added this to the policy. We have seen several cases over the years where clients have advised they notified their insurance company, but the insurance company claims they did not have notice, it was not updated in the policy and there was no coverage. Do not let this happen to you if you decide to drive for Uber or Lyft.   Call your carrier, have them update your policy and make sure they email you an updated version of your policy so that you can see you are now listed as a common carrier driver.

What Coverages Are Available for Injured Victims in A TNC Accident?

If you were involved in an auto accident as a passenger in an Uber or Lyft vehicle or as a passenger in another vehicle which is not at fault and involved in a collision with an Uber or Lyft vehicle, the Uber or Lyft policy will be excess to the at fault driver’s personal policy. That means that the driver that is at fault should have coverage for the accident as a common carrier because they notified their insurance company of their common carrier position. The state minimum is $25,000 per person and $50,000 per accident. Once the policy limits of the at fault driver are exhausted, the Uber or Lyft policy will become viable and damages up to the limits of the policy will be available.  Just as is the case with any accident involving non-common carrier drivers, it is always important to establish fault on the part of the Uber or Lyft driver in order to recover against the commercial policy of Uber or Lyft. If you or a loved one is involved in an accident, it is important to contact an attorney immediately to determine what policies are available to cover your damages and injuries. At the offices of TheOneLawyer.com we have over 18 years’ experience in helping injured clients. Laura Payne-Hunt worked for a major insurance company for over nine years and has the experience and knowledge to make sure that all policies available can be recovered against on behalf of her clients.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

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

WHAT DOES INSURANCE PAY IF MY CAR IS A TOTAL LOSS?

FIVE THINGS TO UNDERSTAND ABOUT A TOTAL LOSS

  1. Sometimes you cannot tell by looking if the car is a total loss
  1. You will not get to decide whether or not your car is a total loss
  1. Legally if the cost to repair is more than 65% of the car’s value, it is a total loss.
  1. The fair market value of the vehicle is negotiable, do not let the insurance company tell you it’s not.
  1. The loan on the car is not the fair market value so always but GAP insurance on a new car.

One of the most common misconceptions that we see in our office is what the meaning of total loss is in the context of an auto accident. Clients often think that total loss means they will get a new car. Unfortunately, that is not the reality. In fact, clients also think they can determine whether their car is, in fact, a total loss. Unfortunately, that is also not the case.

In the state of Nevada, whether a car is a total loss is governed by Nevada Revised Statute 487.790. Specifically, NRS 487.790 states as:

NRS487.790“Total loss vehicle” defined.

      1.  “Total loss vehicle” means a motor vehicle:

      (a) Of a type which is subject to registration; and

      (b) Which has been wrecked, destroyed or otherwise damaged to such an extent that the cost of repair is 65 percent or more of the fair market value of the vehicle immediately before it was wrecked, destroyed or otherwise damaged, except that, for the purposes of this paragraph, the cost of repair does not include the cost of:

             (1) Painting any portion of the vehicle;

             (2) Replacing electronic components in accordance with the specifications of the manufacturer; or

             (3) Towing the vehicle.

      2.  The term does not include:

      (a) A nonrepairable vehicle;

      (b) A motor vehicle which is 10 model years old or older and which, to restore the vehicle to its condition before it was wrecked, destroyed or otherwise damaged and regardless of cost, requires the replacement of only:

             (1) The hood;

            (2) The trunk lid;

             (3) A fender;

             (4) Two or fewer of the following parts or assemblies, which may be bolted or unbolted:

                   (I) Doors;

                   (II) A grill assembly;

                   (III) A bumper assembly;

                   (IV) A headlight assembly; or

                   (V) A taillight assembly; or

             (5) Any combination of subparagraph (1), (2), (3) or (4);

      (c) A motor vehicle, regardless of the age of the vehicle, for which the cost to repair the vehicle is less than 65 percent of the fair market value of the vehicle immediately before the vehicle was wrecked, destroyed or otherwise damaged, except that, for the purposes of this paragraph, the cost of repair does not include the cost of:

             (1) Painting any portion of the vehicle;

             (2) Replacing electronic components in accordance with the specifications of the manufacturer; or

             (3) Towing the vehicle; or

      (d) A motor vehicle that was stolen and subsequently recovered if the motor vehicle:

             (1) Has no structural damage; and

             (2) Is missing only tires, wheels, audio or video equipment, or some combination thereof.

      3.  For the purposes of this section, the model year of manufacture is calculated based on a year beginning on January 1 of the calendar year in which the damage occurs.

      (Added to NRS by 1995, 1573; A 2003, 1911; 2005, 1245; 2011, 1663)

What this means is that if the cost to repair your car is more than 65% of the fair market value of the vehicle, it must be declared a total loss by state law. However, even with this definition that would seem clear on its face, there are a lot of variables. Such variables include determining what will be the actual cost to repair the car as well as the actual value of the car. 

DETERMING TOTAL LOSS

I can generally look at a photograph and tell you if the vehicle is going to be a total loss. Feel free to call our office with any questions if you have been involved in accident involving a vehicle that has been deemed a total loss.  When estimating the damage, the insurance company will generally allow some leeway for hidden damage in determining whether to repair the vehicle or not. This means for example if your vehicle is worth $10,000 and the insurance company estimates the damage at $4,000, they will likely deem the car a total loss because if there is additional hidden damage found when repairs begin, it will rise to the level of total loss.       

Sometimes, if the client really wants the vehicle repaired, and it is close on the total loss versus fair market value, we can have their carrier repair the vehicle and the client will sign a waiver regarding future repair costs. This is not something we generally recommend but there are occasions that clients are very attached to their vehicles and do not want to send them to the salvage yard.   At the Law Offices of Laura Hunt, we listen to our clients’ needs and requests and assist throughout the property damage loss assessment and payment. We also do not take any fee for handling this portion of the case when handling the personal injury matter.  It is important when finding a personal injury attorney to discuss this matter up front.  Many personal injury attorneys do not help their clients with the property damage at all. At the Law Offices of Laura Hunt, we make sure you are fairly compensated for your vehicle or that it is fully repaired, and we do not charge for this service when handling the personal injury claim.

DETERMINING FAIR MARKET VALUE OF YOUR VEHICLE

The second part of a total loss claim is determining the fair market value of your car.  I generally explain this to clients as if you were going to sell your vehicle on the morning of the accident before the collision occurred, what would be the price that you would accept for the vehicle. The way we generally determine this number is to look at what we call in the business “comps “. This means comparable vehicles for sale. Most common vehicles can be searched easily on the Internet. Simply enter the year, make, and specific model of your vehicle and look for similar vehicles for sale. You will generally find a significant range in value often thousands of dollars depending on the vehicle.  We look for higher value comps that are as close to our client’s vehicle as possible to determine the fair market value. You want to compare things like options; for example, whether it has leather or cloth seats, whether it is turbo or not turbo, whether it has navigation or not, as well as mileage.

After you find the comparable vehicles for sale, print this information and be sure to include the name of the dealership or private seller on the documentation you print to reach them to verify the comparable sale. You can compare these with the amount the insurance company is offering you for the total loss of your vehicle and it should be comparable to these numbers.

GAP INSURNACE

When hen purchasing a new or newer vehicle, we urge our clients to obtain GAP insurance on their car loan. If the dealer offers this to you, you can research to compare rates with other carriers to make a comparison to what the dealer is offering you when you are buying the car.   You can do this on your phone at the dealership while in the process of purchasing the car. GAP insurance is insurance that protects you if your car is an accident, is a total loss, and has a fair market value of less than the loan balance.  Your insurance company or the other side will only pay the fair market value of the vehicle. Sometimes that is less than what is owed on the car. You could reach a situation where you still owe thousands of dollars on a vehicle you no longer have because the value was less than the loan. Unfortunately, this can and does happen. That is why we urge clients to have a GAP insurance to pay the gap in the fair market value and the amount of the loan balance. If you have already purchased a new vehicle and did not obtain gap insurance, it is something that you can add, and we urge you to do that.

CONTACT AN ATTORNEY IF YOUR VEHICLE IS TOTAL LOSS

By contacting a lawyer immediately, you can receive the most money for your vehicle. At my office, we are happy to handle the total loss of your vehicle at no cost along with your personal injury claim.  Having worked in the insurance industry as an attorney for 9 years before opening our boutique law firm specializing in helping injured people, I reviewed thousands of total loss claims.   With extensive experience in the insurance field, I can help you review your total loss to maximize the money you get for your vehicle.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

At the Henderson and Las Vegas Accident injury law offices of TheOneLaweyer.com, Laura Marie Payne-Hunt and her staff are here to help you and your family in the event that accidents and tragedies occur.  For any of your legal needs, do not hesitate to contact our Henderson and Las Vegas Accident injury offices.  TheOneLawyer.com is a boutique, family-owned law firm that specializes in helping injured people and the community of Las Vegas and Henderson Nevada with legal issues involving auto accidents, wrongful deaths, slip and falls, truck accidents, injuries to children, bicycle accidents, dog bites, product liability claims, 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. 

HOSPITALS REFUSING TO BILL INSURANCE AFTER A CAR ACCIDENT

You may have recently seen in the news articles regarding hospitals profiting from victims of car accidents. It has been a long-standing silent practice.  Some hospitals around the country, including here in Nevada, have refused to bill the patient’s aka the victim’s health insurance when they have been involved in a car accident. They do this because they want to receive a higher rate through the persons auto insurance or settlement to the detriment of the injured person. They do this by refusing to bill the victim’s health insurance and then billing the patient directly.  They have even put liens on their personal property and/or their settlement. This is against Nevada Law. In fact, Nevada statutes are quite clear on this issue.   Nevada law clearly states that when a person receives hospital care, the hospital cannot collect on any amount that the hospital is owed from any party involved until the hospital bill has been submitted to the injured person’s health insurance. According to the guntersville injury lawyer, that law is codified in Nevada revised statute 449.757 and is stated below in its entirety:

NRS 449.757  Limitations on efforts of hospitals to collect; date for accrual of interest; rate of interest; limitations on additional fees.

1.  When a person receives hospital care, the hospital must not proceed with any efforts to collect on any amount owed to the hospital for the hospital care from the responsible party, other than for any copayment or deductible, if the responsible party has health insurance or may be eligible for Medicaid, the Children’s Health Insurance Program or any other public program which may pay all or part of the bill, until the hospital has submitted a bill to the health insurance company or public program and the health insurance company or public program has made a determination concerning payment of the claim.

2.  Collection efforts may begin, and interest may begin to accrue on any amount owed to the hospital for hospital care which remains unpaid by the responsible party not sooner than 30 days after the responsible party is sent a bill by mail stating the amount that he or she is responsible to pay which has been established after receiving a determination concerning payment of the claim by any insurer or public program and after applying any discounts. Interest must accrue at a rate which does not exceed the prime rate at the largest bank in Nevada as ascertained by the Commissioner of Financial Institutions on January 1 or July 1, as the case may be, immediately preceding the date on which the payment becomes due, plus 2 percent. The rate must be adjusted accordingly on each January 1 and July 1 thereafter until the payment is satisfied.

3.  Except for the interest authorized pursuant to subsection 2 and any court costs and attorney’s fees awarded by a court, no other fees may be charged concerning the amount that remains unpaid, including, without limitation, collection fees, other attorney’s fees or any other fees or costs.

      (Added to NRS by 2007, 1497; A 2011, 1525)

This practice is often used against some of the most vulnerable patients. The statute does not differentiate between private health insurance, Medicaid or Medicare.  However, because the reimbursement rates are lower for hospitals through state and government programs of insurance, (which hospitals have contracted for based on the volume of patients they received as the trade-off) these are often times the patients that hospitals refuse to bill their insurance. Some Hospitals engage in this practice intentionally to receive higher payments than what they are legally contracted to receive from Medicare or Medicaid. At the Law Offices of TheOneLawyer.com, we immediately notify hospitals to bill our client’s health insurance and provide their health insurance information as soon as possible so that this does not occur to the detriment of our clients. At the Law Offices of the TheOneLawyer.com, we protect our clients from the very beginning of the case through to the end to make sure that they get the full compensation that they are entitled to receive.

There is also a separate statute that is very clear and outlines that insurance companies must accept the contracted rate from the insurance company that they are contracted with under the persons healthcare policy. In instances where insurance companies have refused to bill the health insurance policy from the start, we have been successful in making them only accept what they would’ve been paid under the contract and taking a reduction from there. In a separate blog we will talk about subrogation. That is where a health insurance company can get paid back from proceeds from your automobile insurance settlement. However, they are only entitled to recover the amount that was paid and not the full amount of the bill. Hospitals will try to recover their full billing, which as most people know, is grossly inflated rather than the contracted rates they have with insurance companies. If you’ve been in a car accident, call our office immediately to make sure that you get the full compensation that you deserve and are entitled to and do not get taken advantage of by a hospital.

NRS 449.758  Limitations on efforts of hospital to collect when hospital has contractual agreement with third party that provides health coverage for care provided; exception.

1.  Except as otherwise provided in subsection 2, if a hospital provides hospital care to a person who has a policy of health insurance issued by a third party that provides health coverage for care provided at that hospital and the hospital has a contractual agreement with the third party, the hospital shall proceed with any efforts to collect on any amount owed to the hospital for the hospital care in accordance with the provisions of NRS 449.757 and shall not collect or attempt to collect that amount from:

(a) Any proceeds or potential proceeds of a civil action brought by or on behalf of the patient, including, without limitation, any amount awarded for medical expenses; or

(b) An insurer other than a health insurer, including, without limitation, an insurer that provides coverage under a policy of casualty or property insurance.

      2.  This section does not apply to:

(a) Amounts owed to the hospital under the policy of health insurance that are not collectible; or

(b) Medicaid, the Children’s Health Insurance Program or any other public program which may pay all or part of the bill.

3.  This section does not limit any rights of a patient to contest an attempt to collect an amount owed to a hospital, including, without limitation, contesting a lien obtained by a hospital.

       4.  As used in this section, “third party” has the meaning ascribed to it in NRS 439B.260.

       (Added to NRS by 2011, 1524)

THE HOSPTIALS ARE BOUND BY THE FAIR DEBT COLLECTION PRACTICES ACT

      NRS 449.759  Manner of collection.  A hospital, or any person acting on its behalf who seeks to collect a debt from a responsible party for any amount owed to the hospital for hospital care must collect the debt in a professional, fair and lawful manner. When collecting such a debt, the hospital or other person acting on its behalf must act in accordance with sections 803 to 812, inclusive, of the federal Fair Debt Collection Practices Act, as amended, 15 U.S.C. §§ 1692a to 1692j, inclusive, even if the hospital or person acting on its behalf is not otherwise subject to the provisions of that Act.

       (Added to NRS by 2007, 1498)

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area. We are a boutique law firm providing experienced and personal representation to injured clients.  At the Law Offices of Laura Payne-Hunt, TheOneLawyer.com we provide professional and personal service to each and every one of our clients on various legal matters and have over 15 years of experience in reviewing insurance policies and in Nevada insurance law.   If you have a question regarding any type of personal injury or paying your medical bills from an accident, please do not hesitate to call the offices of TheOneLawyer.com and speak directly to attorney Laura Marie Payne-Hunt, Esq. a Henderson Injury Attorney for over 15 years.  Laura is recognized as one of Nevada’s Top 100 Lawyers.  She has the experience and knowledge to obtain the maximum settlement you deserve.  Please call our office if you or a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence.  

At our office, we are experienced in helping injured victims get the compensation they are entitled to.  Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible.  Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I have reviewed thousands of auto accident claims and policy provisions.   

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

FALLS AND THE LAW

THE CRITICAL FACTS OF SLIP AND FALL LAW

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

What is Slip and Fall Law? 

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

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

Who is liable?

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

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

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

Falls on Public Property vs Private Property

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

When did the accident happen?

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

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


Proving the Defendant is Liable and How the Accident Happened

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

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

If you have a question about a slip and fall injury, any injury on someone’s property of any kind and/or any questions regarding any personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 13 years. Please call our office if you or if a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence. If you have been in any type of accident and have questions, please don’t hesitate to contact our Henderson and Las Vegas Accident injury offices today. At our office, we are experienced in helping injured victims get the compensation they are entitled to. Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

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

WRONGFUL DEATH CLAIMS

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

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

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

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

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

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

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

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

Elements of a wrongful death claim

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

NRS 41.085  Heirs and personal representatives may maintain action.

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

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

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

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

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

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

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

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

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

Who can file a claim

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

Wrongful death in a car accident

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

If you have a question about the wrongful death of a family member or any type of accident involving a personal injury, whether from a car accident or a slip and fall or any combination of injuries, please don’t hesitate to call The Law Offices of Laura Payne Hunt, PC, and Henderson Injury Attorneys for over 15 years. Please call our office if you or if a loved one is injured.  We can make sure that you receive the care you need and deserve and advise on how to preserve evidence. If you have been in any type of accident and have questions, please don’t hesitate to contact our Henderson and Las Vegas Accident injury offices today. At our office, we are experienced in helping injured victims get the compensation they are entitled to. Insurance companies never have the best interest of the injured person at the top of their priorities.  They want to pay as little on every claim as possible. Having worked for an insurance company as an attorney for 9 years before opening my boutique law firm specializing in helping injured people, I reviewed thousands of auto accident claims and policy provisions.   

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