Category Archives: General Interest, Tips

Part 2 Cannabis assembly Bill 341

The Nevada State Legislature met in Carson City early this year and worked hard to pass nearly 564 Bills in the 2021 session.  These Bills ranged from decriminalizing speeding tickets to expanding voting procedures.  This series of blogs will focus on all the changes made to Nevada laws in all areas, from banning specific types of weapons without serial numbers, to increasing taxes on the mining industry to help fund our education system in Nevada.  Even though the session just ended, the laws have made their way to the Governor’s desk and become effective once signed by the Governor.  The following Bills in these blogs have been signed by the Governor. 

This blog will focus on several new laws passed regarding Cannabis and several new procedural laws regarding personal data disclosure on the internet and the statute of limitations for child molestation victims to sue for civil damages.

Cannabis

Assembly Bill 341:   This Bill authorizes cannabis consumption lounges in Nevada. The Nevada legislature provide for two types of cannabis lounges in this legislation.  The first type of lounge allows an existing dispensary to add a place for a lounge area.  It is important to note that the law provided that only one lounge is allowed per license no matter how many locations a dispensary maintains. The second type of lounge permits independent businesses to build a consumption lounge with single-use cannabis products for sale.  This law can be found at Section1.Chapter   678A   of   NRS   and the amendments are as follows:   

                   . 

https://www.leg.state.nv.us/App/NELIS/REL/81st2021/Bill/7877/Text

Nevada first legalized recreational marijuana dispensaries in 2017 in Nevada.  Since that time, many tourists have found that although they can purchase cannabis, they have nowhere to legally consume it because consumption has only been permitted at private residences.   It is not legal to use marijuana products inside casinos and hotels.  However, the hotel industry has found that tourists have resorted to consuming marijuana outdoors or in their hotel rooms.  This new law became effective on October 1, 2021. 

It has been six years since Nevadans voted in favor of legalizing recreational marijuana.  This new law allows for the consumption of recreational marijuana somewhere other than a private residence.  Gov. Steve Sisolak signed Assembly Bill 341  which allows for the development of “consumption lounges.”  It should be noted these lounges are alcohol-free but have a bar type atmosphere.  Patrons must be over the age of 21 and will be able to purchase and consume marijuana products.

These new lounges rapidly became operational and there is already a top ten list on YELP.   Nevada’s cannabis regulators say “there’s no hard cap” how many lounges will be licensed.  However, since owners of multiple dispensaries are only allowed to open one lounge, it is not likely they will be popping up in abundance.  Assemblyman Steve Yeager, D-Las Vegas, who sponsored the legislation stated, “I think this really solidifies us as the cannabis destination,” Businessman Christopher LaPorte, a hospitality specialist and cannabis consultant, was quoted as saying that “consumption lounges could attract younger visitors to Las Vegas, a market the city has long coveted.”

“Social-use lounges will allow us to not create a new Amsterdam, but a new Napa Valley,” which is famous for attracting wine aficionados, he said. “We’re going to turn cannabis into a hospitality industry. No one’s going to touch what Las Vegas does with this industry.” Christopher LaPorte

https://knpr.org/knpr/2021-06/newly-legal-marijuana-lounges-preparing-open-nevada
https://www.forbes.com/sites/willyakowicz/2021/06/11/cannabis-consumption-lounges-are-coming-to-las-vegas/?sh=8b3a1dc6efd5

Senate Bill 168: Allows for curbside pickup and changes labeling requirements for cannabis products. The new law is codified at NRS 678A.450. Existing law required that cannabis products “Are not labeled or marketed as candy” The new labeling requirements added are as follows:

  (h) Are labeled with: 

(1) The words “Keep out of reach of children”; 

(2) A list of all ingredients used in the cannabis product; 

(3) A list of all major food allergens in the cannabis product; and 

(4) Any other information the Board may require by regulation

2. A cannabis production facility shall not produce cannabis products in any form that:

 (a) Is or appears to be a lollipop. 

(b) Bears the likeness or contains characteristics of a real or fictional person, animal or fruit, including, without limitation, a caricature, cartoon or artistic rendering.

 (c) Is modeled after a brand of products primarily consumed by or marketed to children. 

 (d) Is made by applying concentrated cannabis, as defined in NRS 453.042, to a commercially available candy or snack food item other than dried fruit, nuts or granola. 

3. A cannabis production facility shall: 

(a) Seal any cannabis product that consists of cookies or brownies in a bag or other container which is not transparent. . .. 

Civil procedure

Assembly Bill 296:  Allows people to sue for having sensitive or personal data publicly disseminated (also known as “doxxing”). Doxing (sometimes written as Doxxing) is a term that refers to the act of revealing identifying information about a person online, such as their real name, home address, workplace, phone, financial, and other personal information. The offender then circulates that information to the public without the victim’s permission. This law became effective July 1, 2021.  There is not a federal statue in effect that specifically refers to doxing although many federal acts such as the stalking laws and harassment statutes are covered by federal law.  Other states such as West Virginia and Oregon are considering anti-doxxing laws.  This new Nevada law “Establishes a civil cause of action for the dissemination of personal identifying information or sensitive information under certain circumstances.”  State legislator Rochelle Nguyen was quoted as saying the language of the bill “is narrowly tailored to those people that are inciting violence or mental anguish.”

https://apnews.com/article/las-vegas-bills-nevada-laws-57ab8fb255c2622c8b63829275ff6f45
https://legiscan.com/NV/drafts/AB296/2021

This Bill was spawned out of the violent acts that were a sad result of the extreme stress caused by the pandemic.  The head of Nevada’s unemployment agency states she was driven out of her job last June because of threats to her safety as a result of doxing.  Ms. Korbulic was “doxed” and as result her personal information was circulated online without her permission.  

Senate Bill 203: Eliminates the statute of limitations for a civil action to recover damages for childhood sexual abuse. This law was Effective immediately upon passage and effectively amends NRS 11.215 remove the previous statute of limitations of 20 years past the child’s 18th birthday effectively the age of 38.  

https://www.leg.state.nv.us/App/NELIS/REL/81st2021/Bill/7650/Text

This series will break down all of the new laws passed by the Nevada Legislature in 2021.  I hope that you will read our future blogs to be up to date and informed about these changes. At TheOneLawyer.com, we look forward to providing information that will help

 our clients stay safe and informed. Even more so, we look forward to continuing our long-standing tradition of representing every client on a personal, compassionate, and professional level. We strive to treat every client as though they are our only client. 

 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. 

New Nevada Laws passed regarding Cannabis

The Nevada State Legislature met in Carson City early this year and worked hard to pass nearly 564 Bills in the 2021 session.  These Bills ranged from decriminalizing speeding tickets to expanding voting procedures.  This series of blogs will focus on all the changes made to Nevada laws in all areas, from banning specific types of weapons without serial numbers, to increasing taxes on the mining industry to help fund our education system in Nevada.  Even though the session just ended, the laws have made their way to the Governor’s desk and become effective once signed by the Governor.  The following Bills in these blogs have been signed by the Governor. 

This blog will focus on several new laws passed regarding Cannabis.

Cannabis

Assembly Bill 341:   This Bill authorizes cannabis consumption lounges in Nevada. The Nevada legislature provide for two types of cannabis lounges in this legislation.  The first type of lounge allows an existing dispensary to add a place for a lounge area.  It is important to note that the law provided that only one lounge is allowed per license no matter how many locations a dispensary maintains. The second type of lounge permits independent businesses to build a consumption lounge with single-use cannabis products for sale.  This law can be found at Section1.Chapter   678A   of   NRS   and the amendments are as follows:   

                   . 

https://www.leg.state.nv.us/App/NELIS/REL/81st2021/Bill/7877/Text

Nevada first legalized recreational marijuana dispensaries in 2017 in Nevada.  Since that time, many tourists have found that although they can purchase cannabis, they have nowhere to legally consume it because consumption has only been permitted at private residences.   It is not legal to use marijuana products inside casinos and hotels.  However, the hotel industry has found that tourists have resorted to consuming marijuana outdoors or in their hotel rooms.  This new law became effective on October 1, 2021. 

It has been six years since Nevadans voted in favor of legalizing recreational marijuana.  This new law allows for the consumption of recreational marijuana somewhere other than a private residence.  Gov. Steve Sisolak signed Assembly Bill 341  which allows for the development of “consumption lounges.”  It should be noted these lounges are alcohol-free but have a bar type atmosphere.  Patrons must be over the age of 21 and will be able to purchase and consume marijuana products.

These new lounges rapidly became operational and there is already a top ten list on YELP.   Nevada’s cannabis regulators say “there’s no hard cap” how many lounges will be licensed.  However, since owners of multiple dispensaries are only allowed to open one lounge, it is not likely they will be popping up in abundance.  Assemblyman Steve Yeager, D-Las Vegas, who sponsored the legislation stated, “I think this really solidifies us as the cannabis destination,” Businessman Christopher LaPorte, a hospitality specialist and cannabis consultant, was quoted as saying that “consumption lounges could attract younger visitors to Las Vegas, a market the city has long coveted.”

“Social-use lounges will allow us to not create a new Amsterdam, but a new Napa Valley,” which is famous for attracting wine aficionados, he said. “We’re going to turn cannabis into a hospitality industry. No one’s going to touch what Las Vegas does with this industry.” Christopher LaPorte

https://knpr.org/knpr/2021-06/newly-legal-marijuana-lounges-preparing-open-nevada

https://www.forbes.com/sites/willyakowicz/2021/06/11/cannabis-consumption-lounges-are-coming-to-las-vegas/?sh=8b3a1dc6efd5

Senate Bill 168: Allows for curbside pickup and changes labeling requirements for cannabis products. The new law is codified at NRS 678A.450. Existing law required that cannabis products “Are not labeled or marketed as candy” The new labeling requirements added are as follows:

  (h) Are labeled with: 

(1) The words “Keep out of reach of children”; 

(2) A list of all ingredients used in the cannabis product; 

(3) A list of all major food allergens in the cannabis product; and 

(4) Any other information the Board may require by regulation

2. A cannabis production facility shall not produce cannabis products in any form that:

 (a) Is or appears to be a lollipop. 

(b) Bears the likeness or contains characteristics of a real or fictional person, animal or fruit, including, without limitation, a caricature, cartoon or artistic rendering.

 (c) Is modeled after a brand of products primarily consumed by or marketed to children. 

 (d) Is made by applying concentrated cannabis, as defined in NRS 453.042, to a commercially available candy or snack food item other than dried fruit, nuts or granola. 

3. A cannabis production facility shall: 

(a) Seal any cannabis product that consists of cookies or brownies in a bag or other container which is not transparent. . .. 

Civil procedure

Assembly Bill 296:  Allows people to sue for having sensitive or personal data publicly disseminated (also known as “doxxing”). Doxing (sometimes written as Doxxing) is a term that refers to the act of revealing identifying information about a person online, such as their real name, home address, workplace, phone, financial, and other personal information. The offender then circulates that information to the public without the victim’s permission. This law became effective July 1, 2021.  There is not a federal statue in effect that specifically refers to doxing although many federal acts such as the stalking laws and harassment statutes are covered by federal law.  Other states such as West Virginia and Oregon are considering anti-doxxing laws.  This new Nevada law “Establishes a civil cause of action for the dissemination of personal identifying information or sensitive information under certain circumstances.”  State legislator Rochelle Nguyen was quoted as saying the language of the bill “is narrowly tailored to those people that are inciting violence or mental anguish.”

https://apnews.com/article/las-vegas-bills-nevada-laws-57ab8fb255c2622c8b63829275ff6f45

https://legiscan.com/NV/drafts/AB296/2021

This Bill was spawned out of the violent acts that were a sad result of the extreme stress caused by the pandemic.  The head of Nevada’s unemployment agency states she was driven out of her job last June because of threats to her safety as a result of doxing.  Ms. Korbulic was “doxed” and as result her personal information was circulated online without her permission.  

Senate Bill 203: Eliminates the statute of limitations for a civil action to recover damages for childhood sexual abuse. This law was Effective immediately upon passage and effectively amends NRS 11.215 remove the previous statute of limitations of 20 years past the child’s 18th birthday effectively the age of 38.  

https://www.leg.state.nv.us/App/NELIS/REL/81st2021/Bill/7650/Text

This series will break down all of the new laws passed by the Nevada Legislature in 2021.  I hope that you will read our future blogs to be up to date and informed about these changes. At TheOneLawyer.com, we look forward to providing information that will help

 our clients stay safe and informed. Even more so, we look forward to continuing our long-standing tradition of representing every client on a personal, compassionate, and professional level. We strive to treat every client as though they are our only client. 

 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.

New Nevada Law

New Nevada Laws Passed in 2021 Impacting Business & commerce

The Nevada State Legislature met in Carson City recently and worked hard to pass nearly 564 Bills in the 2021 session.  These Bills ranged from decriminalizing speeding tickets to expanding voting procedures.  These next series of blogs will go through all the changes made to Nevada laws in all area’s from banning specific types of weapons without serial numbers to increasing taxes on the mining industry to help fund our education system in Nevada.  Even though the session just ended, the law that have made there way to the governs desk an become effective once signed by the Governor.  The following Bills these blogs have been signed by the Governor. 

With the session only just ended, Bills they enacted are still making their way to the governor’s office. This Blog will focus on the Bills passed that impact business and commerce in our state.  

Assembly Bill 28: The Nevada state legislature passed a number of Bills helping businesses in our state compete against out of state competitors by providing advantages to companies based in Nevada. Assembly Bill 28 changes the law in order to provide local businesses better opportunity to obtain state contracts by penalizing out of state bidders based on other states policies. https://www.leg.state.nv.us/App/NELIS/REL/81st2021/Bill/7270/Text

Assembly Bill 60:   This Bill appears to be a result of the current political atmosphere and the “Me Too” movement. This Bill quashes provisions of a contract or a settlement agreement if they prevent any party to the agreement from testifying about a crime, sexual harassment, discrimination or retaliation. This Bill prevents businesses from “paying off” employees or partners from testifying about those improper acts. 

Assembly Bill 61: Assembly Bill 61 is a welcome measure to try to control the ridiculous amount of Robo calling that is occurring in our state and the price gauging that took place during the pandemic. The Bill classifies Robo calling and raising prices without merit during a state of emergency as a deceptive trade practices and penalizes the companies for these practices.  Many businesses profited during the pandemic by raising prices on basic needs items astronomically.  

Assembly Bill 106: Assembly Bill 106 was passed in February and provides $50 million for small businesses and nonprofits impacted by the pandemic.  These funds are intended to help the many small business’ in our state that went months without revenue due to the Governor’s restrictions during the Covid 19 pandemic.  

Assembly Bill 359:   Assembly Bill 359 requires translation of contracts and other business documents. Most state, school and other county forms have been available in Spanish for many years.  

Assembly Bill 363: Assembly Bill 363 is affectively a tax increase for anyone who is using a property as a short-term rental or renting through websites like Airbnb and requires them to pay lodging taxes.

Assembly Bill 399: Another interesting Bill that passed was assembly Bill 399 which was likely lobbied by animal rights activists in our state. This Bill requires that all eggs sold in the state of Nevada the certified as cage free with a few exceptions. The term “Cage-free” is a term that is regulated by the USDA and means that the eggs come from hens that are not raised in cages.  It means that the hens can “freely roam a building, room, or enclosed area with unlimited access to food and fresh water during their production cycle, but [do] not have access to the outdoors.” https://www.ams.usda.gov/sites/default/files/media/USDA%20Grademarked%20Product%20Label%20Submission%20Checklist.pdf 

Senate Bill 114: Another Bill likely passed through the efforts of lobbyists for the cannabis industry is Senate Bill 114 which allows for restaurants and manufactures of food products to sell and produce foods and drinks that contain hemp products in Nevada. Hemp is high in protein and products include hemp oil, hemp milk, hemp seeds, hemp protein powder and many other food items. Historically, hemp products were purchased at health food stores. Hemp has many health benefits.  Many people associate hemp with marijuana.  However, hemp has no mind-altering effects and does not contain enough THC to impact mood.  The term “hemp” is defined as cannabis that contains 0.3 percent or less THC content by dry weight.

https://www.healthline.com/health/hemp-vs-marijuana#hemp

Senate Bill 237: Another Bill that is a successful result of lobbying efforts by the LGBTQ community is Senate Bill 237. This Bill provides for small businesses that are owned by members of the LGBQT community to be eligible for various forms of state assistance and incentives and provides protection from discrimination towards those businesses. 

Senate Bill 248: Senate Bill 248 is a welcome relief to our citizens and especially people injured in auto accidents. It requires that collection agencies provide written notice to anyone who owes a medical debt at least 60 days prior to taking any action to collect the debt. This allows for the debtor to contact the insurance company or the medical provider to make payment arrangements prior to collection actions being taken.   It is also important to note that in Nevada, a hospital cannot attempt to collect a debt against you until they have billed your health insurance.  

Senate Bill 260:   This Bill is Nevada’s attempt to prevent our citizens personal data from being sold on the open market by website operators. The Bill extends restrictions that are already in place to website operators that use a seller’s personal data and prevents them from selling that data to brokers who buy and sell the personal information of website users.  Although this sounds good on paper, it is important to know that the web is a worldwide entity and users or operators outside our state may not be bound by these state restrictions.  And if jurisdiction is found that they are operating in Nevada and are subject to this law it would be very difficult and resource intensive to find them and catch them. However, it does give our attorney general leverage in the event that any mass distribution of Nevada resident information is found to have occurred by a website operator. It is likely that the offenders that would be prosecuted would be large entities like Facebook or Google if violations of the law were fold to have taken place.

Senate Bill 320: Senate Bill 320 affects third-party food delivery companies most likely companies like Uber eats or Postmates. This Bill requires that these companies have written contracts with the restaurants. This Bill likely arises from conflict during the pandemic between food delivery services and restaurants. That requires the terms to be written so that both parties know the terms and the payment terms that are in place.

The Law is ever changing and at the personal injuries law offices of At TheOneLawyer.com, are always staying on top of new laws and cases that impact our clients and our community.  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.

Recent Changes to Nevada Pet Law

Recently, people have taken to the streets to protest in Nevada to ask for changes to Nevada law concerning animal cruelty.  Last September protesters gathered to lobby for stricter penalties for the miss treatment of animals in our state. As a result, a new ordinance past Las Vegas states that a person convicted of harming killing or abusing a pet will be barred from owning another pet for two up to five years. City officials recently broadened penalties for animal cruelty in our state. Under a recent ordinance past which was spearheaded by Las Vegas councilman Stavros Anthony, it is now illegal to tie your tether a pet outside for more than 10 hours during a 24 hour. Furthermore, they cannot be tethered outside at all if the National Weather Service has issued a heat advisory. It is sad that this commonsense principle must be passed into law based upon recent horrible events concerning animal cruelty in our state.

In addition, under the ordinance, when temperatures reach 105° pet owners are required to have some type of cooling mechanism such as a misting system or portable air conditioners if their pet is outside. Commonsense says you would keep your pet inside during such extreme temperatures.  The new ordinances which disallow tethering your pet which means tying them up outside bring the law in the City of Las Vegas against animal cruelty into alignment with other states. Under these city provisions the duration allowed to tether a pet in the city is strict then the states 14-hour limit.  This means that in the city you are not permitted to tether your dog for more than 10 hours and in the state, you are not allowed to other dogs more than 14 hours.  Specifically, the city ordinance states as follows:

1.2 Dog restraints and enclosures

With regard to dogs, it is a crime in Nevada to restrain a dog for more than fourteen (10) hours during a twenty-four (24) hour period. (In Las Vegas, the limit is 10 hours in a 24-hour period.) It is also illegal to restrain a dog by either:

using a prong, pinch, or choke collar or similar restraint, or

using a tether, chain, tie, trolley or pulley system, or other device that:

is less than twelve (12) feet in length, or

fails to allow the dog to move at least twelve (12) feet or,

allows the dog to reach a fence or other object that may cause the dog to become injured, entangled, or to die by strangulation after jumping the fence or object

Animal advocates praise these new ordinances which will protect Nevada pets from the extreme temperatures of the summer.  These new ordinances come at the advocation by Councilman Anthony as a result of recent animal cruelty events which would shock most of our collection collective conscience.  These new regulations made by the city of Las Vegas mirror the changes made by the city of North Las Vegas in December after the very sad story of Lily the laboratory retriever.

In August 2020 retriever Lily died after being tethered it outside in the heat in North Las Vegas. The owner Arnold Galanto, 42, was formally charged in January in North Las Vegas Municipal Court. The charges came about a month after the city in December changed the ordinances to allow harsher penalties for such blatant animal abuse.  Galanto was charged with illegally tethering his brown Labrador retriever mix outside his home for two days on August 19 and 20th.  A very sad video came forward showing Lily lying partly in the sun with her mouth open. You could see that it was just torturing the poor animal. Sadly, Lily passed away from heat exposure.  The ordinance passed by the city of North Las Vegas in December reduce the time that a dog could be tethered outside during the 24-hour period from 14 hours to 10 hours.  Animal rights advocates pushed for felony charges to be filed in such a situation.  However, the new ordinance makes it a misdemeanor in such situations.

The new ordinance passed in the city of Las Vegas not only prevents a pet owner from owning an animal for two to five years following a conviction, and it also bars a convicted person from living in the same household as a pet or working at a place where they have access to animals such as a shelter. Animal cruelty and torture in Nevada is a misdemeanor crime in Las Vegas punishable by $1000 fine and up to six months.   However, it is a felony to harm or maliciously torture or kill a pet.  The city attorney prosecutes misdemeanor cases while the more egregious cases are turned over to the district attorney’s office.  Penalties can be severe, especially after the first offense:

1.3. Penalties

The punishment for unjustifiably maiming, mutilating, or killing any cat or any dog or any animal kept for companionship or pleasure (whether belonging to the defendant or not) depends on the defendant’s state of mind:

  • If the act is committed in order to threaten, intimidate, or terrorize another person, it is a category C felony in Nevada carrying one to five (1 – 5) years in prison and up to $10,000 in fines.
  • If the act is committed willfully and maliciously, it is a category D felony carrying one to four (1 – 4) years in prison and up to $5,000 in fines.

Otherwise, the punishment for a first-time offense is a misdemeanor, and the penalties get harsher with each successive offense within a seven (7)-year period. And depending on the circumstances the defendant may be ordered to surrender ownership or possession of the allegedly mistreated animal:

A first offense of animal cruelty within the preceding seven (7) years is prosecuted as a misdemeanor in Nevada carrying:

  • two (2) days to six (6) months in Clark County Detention Center (or another county jail), and
  • 48 to 120 hours of community service, and
  • $200 to $1,000 in fines, and
  • restitution for all costs associated with the care and impoundment of any mistreated animal including money expended for veterinary treatment, feed, and housing

A second offense of animal cruelty within a seven (7)-year period is also a misdemeanor in Nevada. The sentence is increased to:

  • Ten (10) days to six (6) months in Clark County Detention Center (or another county jail), and
  • 100 hours to 200 hours of community service, and
  • $500 to $1,000 in fines, and
  • restitution for all expenses for the care and impoundment of the mistreated animal such veterinary services, food, and shelter

Finally, a third or subsequent offense of animal cruelty within a seven (7) year span is prosecuted as a category C felony in Nevada. The punishment includes:

  • one to five (1 – 5) years in prison, and
  • maybe up to $10,000 in fines, and
  • restitution for the expense of treating, feeding, and housing the mistreated animal.

At TheOneLawyer.com, we are here to serve our community and provide legal services in the Henderson and Las Vegas area.  We are pet owners and active in charitable pet organizations.  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.

an Your Employer Require you to get a Covid -19 Vaccine?

As many of us are heading back to the office and we wind down from this historic pandemic, a lot of companies are requiring their employees to become vaccinated in order to come back to work. The short answer to this question is, yes, companies can legally require their employees to become vaccinated in order go back to the workplace. Recent guidance from the U.S. Equal Employment Opportunity Commission which is the federal agency that oversees workplace compliance establishes this requirement. www.eeoc.gov/coronavirus. Employers can, in fact, require employees to get a Covid-19 vaccine and prevent them from coming to the workplace if they refuse to be vaccinated, the federal government said in guidelines issued recently.

Public health experts believe employers will play a significant role in vaccinating enough people to reach” herd immunity” and help end a pandemic that has tragically killed more than 500,000 Americans. Widespread covid vaccinations will prevent people from dying and restart an economy that has taken the jobs of many Americans in the past year.  Employers had been waiting for guidance from the U.S. Equal Employment Opportunity Commission, the agency that also enforces laws against workplace discrimination, because requiring employees be tested for the coronavirus touches on thorny medical and privacy issues covered by the Americans with Disabilities Act of 1990.

Just like companies can require employees to get drug tested, federal laws do not prevent companies from requiring employees to provide proof of vaccinations.   It should be noted that companies are required to keep this information confidential.  However, just like requiring vaccines for children to go to school, there is an exception to this requirement. If an employee has sincerely held religious beliefs or a disability that prevents them from becoming vaccinated, they may be entitled to special accommodation under the Americans with Disabilities Act. These accommodations could include requiring the employees to wear facemasks while at work, social distance from others, and get frequent COVID-19 tests or the company can allow the employee to work remotely.  

Government entities such as schools in the military can require vaccination for entry. This practice follows the Supreme Court case of Johnson vs Massachusetts  197 U.S. 11, 25 S. Ct. 358 (1905) that allowed the states to require people to be vaccinated against smallpox. The decision paved the way for public schools to require vaccinations from students. In that case, Justice John Marshall Harlan delivered the decision for a 7–2 majority that the Massachusetts law did not violate the Fourteenth Amendment. The Court stated that “in every well-ordered society charged with the duty of conserving the safety of its members the rights of the individual in respect of his liberty may at times, under the pressure of great dangers, be subjected to such restraint, to be enforced by reasonable regulations, as the safety of the general public may demand” and that “real liberty for all could not exist under the operation of a principle which recognizes the right of each individual person to use his own [liberty], whether in respect of his person or his property, regardless of the injury that may be done to others.” 

The Court went on to hold that “mandatory vaccinations are neither arbitrary nor oppressive so long as they do not “go so far beyond what was reasonably required for the safety of the public.”  Massachusetts was one of eleven states that required smallpox vaccines for all of its residents at the time.  The Court found that smallpox was “prevalent and increasing in Cambridge” at the time and the regulation in question was “necessary in order to protect the public health and secure the public safety” Jacobson argued that he had a bad reaction to vaccines in his home country of Sweden and that he should be medically exempted from being vaccinated.  The state refused his request and fined him five dollars which is the equivalent of $150.00 today.  Jacobsen had offered proof that there was disagreement in the medical community as to whether the smallpox vaccine would actually spread of the disease.   However, the Court found that it was left to the legislature, not the courts, to determine which of the “two modes was likely to be the most effective for the protection of the public against disease.”

I have been asked if the HIPPA statute which is the Health Insurance Portability and Accountability Act has protections for patients to keep their vaccination records and health information confidential. It is important to note that that act applies to healthcare providers and not employers.

Despite re-openings and push to get America vaccinated, some employers are still reluctant to require vaccinations. A recent survey conducted by the Rockefeller foundation and Arizona State University of more than 1,300 medium and large companies in the United States and the United Kingdom found that more than half said they would require employees to show proof of vaccination. The survey showed that nine out of ten said they plan to encourage or require their employees to become vaccinated.  Not all companies are requiring their employee’s to be vaccinated.

Some companies are providing incentives for their employees to get vaccinated. For example, Target is providing up to four hours of paid leave time for all of their employees to get vaccinated and covering their transportation costs to and from their appointments. The supermarket giant Kroger is giving each employee $100 if they provide proof of vaccination. Some employers, however, are not quite as bold. For example, Delta Airlines is not requiring vaccination of its current employees only for new hires. Likewise United Airlines said it will require newly hired employees to provide proof of vaccination and is providing three days of vacation time to all flight attendants who receive at least one dose of the vaccine. But they are not requiring current employees to become vaccinated.

The issue of vaccines raises political debate in this country and there are many people who are vehemently opposed to vaccines and likewise many people are just as strongly in favor of vaccines.  The use of vaccines should not be a political issue.   It is an issue of public health and that is how the law addresses this matter. Laws governing vaccines are part of the public emergency doctrines and put in place to protect citizens from the wide spread of disease. Many of our grandparents and great grandparents lived through the polio epidemic as well as the Spanish flu epidemic. This is the first pandemic of most of our lifetimes, and if nothing else has shown how life can change so rapidly from disease and pathogen ‘s that we can’t even see. It is my hope and goal that we will all do our best to keep each other safe whether from vaccine or social distance or wearing a face mask, it is all of our duty to protect our neighbors and do the best that we can to stay healthy and keep our friends and family safe.

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 don’t 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.

THREE THINGS TO KNOW ABOUT YOUR AUTO INSURANCE CONTRACT

  1. Your insurance company has a duty to pay up to your purchase limits to settle any   claim against you if they can;
  1. Even when your insurance policy does not have enough coverage to cover the damages, the insurance company still has a duty to defend you against any claim or lawsuit;
  1. You have a duty to cooperate with your insurance company under the terms of the policy in order to be covered.

This may sound like complex lawyer mumbo-jumbo. As a former insurance defense attorney, I represented the insurance companies against personal injury claims for many years. Insurance policies are required by law provide different coverages and different benefits under the terms and conditions of the contract. Most people think of insurance as just something they buy because they must in order to drive a car. But insurance policies are somewhat complex and provide different benefits. They contain different responsibilities for the insured drivers themselves. In this blog I will break down the duty of an insurance company to pay on your behalf if you are at fault as well as the duty of an insurance company to defend you against damages and liability following an accident that could potentially be your fault as suggested by San Angelo Insurance

Every insurance policy contains different provisions. One major provision is the duty to pay on your behalf up to your state of limits. This is what most people think about when they think about their insurance. When you are at fault for an accident you have purchased insurance policy up to a certain limit. The state minimum limit in Nevada is $25,000 per person and $50,000 per accident. Many drivers are driving around with this level of coverage. This is a very low insurance policy to cover personal injury accidents and $25,000 per person does not go very far in the event of a major automobile collision. Opting for a car insurance can really be a huge life-saver in times of unforeseen accidents that can jeopardize your finances. If you haven’t gotten one yet due to skepticism before, you can quickly find out the cost of your vehicle insurance through the use of sites like https://forbrukerguiden.no/bilforsikring-kalkulator/

When people are taken to the hospital because of an auto accident and sustain person injuries, the bills can quickly exceed these limits.  Ambulances bills and hospital bill can be very expensive. If you are driving around with the minimum coverage and find yourself at fault for a severe accident-causing personal injury, your limits may not be enough to cover the damages. As explained by San Angelo Pronto Insurance, your insurance company may send you a letter that states something like “Your automobile insurance policy limits may not be enough to cover the injuries and damages involved in your recent accident.”

Often this is a form letter that is sent out without careful review of the claim.  If the injured party has already made a demand to settle their personal injury claim for inside of your policy limits, this letter should not be sent. The insurance company has a duty to try to settle every claim against you for your stated limits. If they choose not to settle the claim when an offer is made by the other side for your policy limits, they will be responsible for any judgment above your policy limits. However, if no demand is made and the other side will not settle for your policy limits, your insurance company will continue to defend you.  And they will what is called in the law, indemnify you up to your policy limits. That means basically pay on your behalf a judgement up to your policy limits. That is why it is extremely important to maintain coverage that will protect you and your family. 

The Duty to Defend 

Separate and apart from the duty to indemnify in each insurance policy is the duty to defend. That is a duty that the insurance company maintains throughout the claims process even if they have paid your policy limits. Generally, they will not pay your policy limits without a release and they will continue to defend you. However, even if your policy limits are paid to the other side, if they refuse to execute a release and attempt to get a judgment personally against you for the excess damages your insurance company has a duty to continue to defend you against any claim or lawsuit to try to keep the damages as low as possible. That is part of their contract. 

Your Duty to Cooperate 

Is extremely important that you report any accident to your own insurance company right away. You have a duty to cooperate with your own insurance company during the investigation process so that they can obtain any information necessary in the event that they must step in to defend you for any reason. A lot of people think it was not my fault I am not calling my insurance company. In the state of Nevada, as we have discussed in prior blogs on TheOneLawyer.com talking about personal injury auto accidents, they cannot raise your rates when you are not at fault. That is codified by state law. When you are in an accident, regardless of whether people have sustained personal injuries because of the accident, it is important that you report the accident to your own insurance company.  This allows them to investigate so they are ready in the event that a claim pops up, they have gathered information to defend you. If you do not cooperate with your insurance company, there is a possibility they may not cover you for your breach of contract when you have failed to report information to them. This is perplexing to many of our clients as they do not like to involve their own insurance company. We advise them that by law their rates cannot be raise and as their attorney we will make sure that the insurance company follows the law. At the law Offices of TheOnelawyer.com we have many years of experience representing insurance companies and handling contractual claims under automobile casualty policies. If you have been involved in a personal injury accident, call our office today as we will make sure you are protected and that you receive the compensation that you deserve for your personal injuries resulting from an automobile accident.

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. 

WHAT IS AN UMBRELLA POLICY

THREE REASONS YOU NEED TO HAVE AN UMBRELLA POLICY

  1. If you own your home or properties outright with no mortgage, they are assets for a 

 judgment against you that an Umbrella policy would protect;

  1. The cost of umbrella coverage is usually quite reasonable for the level of protection;
  1. An umbrella policy covers not only you, but your family members or residents of your household against excess liability on your auto’s homes and boats collectively;

What is an umbrella policy?

You have probably heard the term umbrella coverage but may not know exactly what that means. An umbrella policy as it is usually referred to in the industry is a type of personal liability insurance policy that will cover you and your family for claims that are over and above or in excess of your regular homeowners, auto, or boat policy insurance. Umbrella insurance covers not only the policyholder but members of your family and household as well. Umbrella policies cover injuries to others and/or damages to their personal property. It generally does not protect your own personal property but rather covers you against liability. There are some umbrella policies that do have Uninsured motorist coverage and if you can find that type of policy, that is the best type of policy to get. 

Umbrella insurance is generally quite reasonable and if you own your home out right without a mortgage or have substantial personal assets that could be executed against (for example you do not have mortgages on your homes, loans on your vehicles, large savings or business property) it may well be worth the cost to protect you and your family. 

How an Umbrella policy protects you

The best way to really explain how an umbrella policy can protect you and your family is through the use of examples. Basically, an umbrella policy is excess coverage meaning additional money that can be paid to someone you injure in the event that your underlying insurance policies do not have enough coverage. This is an area that people rarely think about when buying insurance. People purchase their insurance and they generally do not think of the worst-case scenario. As attorneys, that is what we do. Having worked for a major insurance company for many years, I have seen many situations where people have been in the position that they do not have enough insurance coverage to cover the liabilities that they have incurred. Often this happens when you have teenage children. The best way to convey the need for an umbrella policy is through the following examples:

  1. Your teenager goes out and gets into an accident or someone is seriously injured causing them to suffer an amputation. Your policy is a 100/ 300 policy which means $100,000 per person and $300,000 per accident which is generally acceptable and considered to be enough coverage for most situations. As you know, $100,000 would not be near enough coverage to cover someone who loses a limb in an accident. Although your insurance company will continue to defend you because the duty to defend is separate from the duty to pay, ultimately a judgment against you could be rendered for over $100,000 and he would be personally liable for that judgment. The injured party could execute the judgment on your home, bank accounts, and  on even your income.
  1. Picture another situation where you send sandwiches to your child’s school in a good faith effort to provide a snack for the kids. Unfortunately, one of those children suffers a severe anaphylaxis reaction and requires hospitalization. Suddenly the $100,000 that you have in liability coverage on your homeowner’s insurance policy does not cover the child’s extensive hospital stay. Your umbrella policy would cover those damages. 

I could go on and on and list different scenarios that I have personally observed over the years where the underlying policies are not near enough to cover the damages inflicted. These are always accidents and never intentional. 

Who is covered by the policy? 

As you can see from these examples referenced, an umbrella policy covers not only you, the policyholder, but everyone in your household. This can be extremely important for families with teenage drivers. We pray that our kids will be careful and most of the time they are. However, sometimes their inexperience lends itself to accidents that cause extensive damage. Not only teenage drivers can cause liability but having lots of kids at your house playing in the pool or running around can lend itself to kids getting hurt and incurring hospital bills over and above your regular coverages. Having this additional coverage for unforeseen accidents that can occur with your family members can protect your family from catastrophic liability and your assets. An umbrella policy can also cover many tragic situations that unintentionally happen in everyday life from various accidents.

Deciding whether you need an umbrella policy.

When buying insurance, especially when bundling your home and auto, you should always ask the agent about the cost of an umbrella policy. It is a decision that can only be made once you know what your options are in buying insurance. Sometimes the agent will try to advise you against an umbrella policy and state that it will make the “lawsuit happy lawyers” just sue you. I can tell you as an auto and injury attorney and a long-time insurance defense attorney, I have seen many cases where the injuries are not driven by a “lawsuit happy attorney” but by a serious accident. Unfortunately, death, loss of limb and catastrophic injury are not as uncommon as you would think from auto and pool accidents primarily. Sadly, people die every day in these types of situations and the damages are not driven by “lawsuit happy attorneys” but experienced auto injury attorneys like my firm and by the tragedy of the losses themselves.  

The question is how likely you are to find yourself in the situation? Thankfully, the odds are small and that is why the cost of umbrella policies are not usually that high. It is basically like gambling.  You put your money on the table and hope that you will not need the coverage but in the event that you do it will save you from potential bankruptcy and can  save your family’s economic stability  and most likely your retirement.

The costs of umbrella policies

The cost of an umbrella liability insurance policy is contingent upon the coverage you purchase, the state you live, and your level of risk based on your claims history. The more homes or cars and household members on your policy the more expensive it will be. But as far as insurance goes, the cost of an umbrella insurance policy is quite reasonable compared to other types of insurance, especially considering the level of coverage they provide. Most umbrella insurance policies provide at least $1 million and generally cost about 150 to 350 per year. You can expect to pay about another $75 per year for a $2 million policy. You can see that no other type of insurance that provides this level of coverage at anywhere near this cost. That is because the odds that the insurance company will have to pay out on any one given policy are slim and insurance policies are underwritten based upon the odds of liability.  That is why they are cost-effective and a reasonable way to protect your family from the unexpected. The cost of these policies is born between many homeowners and auto insurance policy holders so the company can spread out their risk.

Requirements to be eligible for an umbrella policy

In order to obtain an umbrella insurance policy, you must have your home and auto with one carrier. In addition, you must carry a certain level of coverage. You cannot maintain the state minimum policy of 25,000 per person and $50,000 per accident and purchase an umbrella policy. Most major carriers require at least a 100 per thousand dollar per person and $300,000 per accident and some carriers require much higher than that to purchase an umbrella policy. What that means to you is that your auto insurance rates may be slightly higher in order to be able to purchase an umbrella policy depending on the level of coverage you currently hold.

When to purchase umbrella policy

If you have paid off your home, an umbrella policy is something you may definitely want to consider. It is a very simple process, and you will need to call your agent.  You may be able to purchase this online but we highly recommend that you contact the agent to make sure that everything in your file is correct. Sometimes in the electronic world  information does not get transferred and it may show in your file that you do not have a pool when you actually do have a pool. When purchasing this level of coverage, it  is wise to discuss the purchase with the agent on the phone or in person and go through your home and auto coverages at the same time.  

Meaning, you want to  make sure everything for your home is insured properly –if you have a dog, that it is covered — if you have a pool,  that it is covered.  This is important because if it is not listed in your policy correctly and you have a claim because of a pool, or a dog  they can deny your claim because they never input the information correctly and then that’s a whole new lawsuit. If you have any questions or would like any additional information regarding the purchase of a personal liability umbrella policy, please do not hesitate to call us at TheOnelawyer.com, at any time. We are always here to talk about your casualty liability insurance needs to make sure your family is protected in the event of an accident.

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 TOWING COVERAGE YOU SHOULD HAVE

THREE REASONS TO HAVE ROADSIDE ASSISTANCE INSTEAD OF TOWING

  1. Roadside assistance will include towing coverage for your vehicle for any reason whether it is an accident or a break-down;
  1. Roadside assistance coverage will provide you with help in the event you have a flat tire or mechanical defect, but towing coverage will not provide coverage for those issues;
  1. There is no need to pay for towing coverage and roadside assistance so you should pick one or the other and I recommend roadside assistance.

One coverage no one ever really thinks about until they need it is their towing coverage. There are actually different levels of towing and the cost can be quite high if your vehicle needs to be towed for a long distance. For example, most towing coverage is covering a certain number of miles usually in the city from 10 to 20 miles. If you have to have an accident out on the highway or somewhere far from a body shop, you could wind up with quite the towing bill.  You would also be at the mercy of whatever towing company was used. For example, if your insurance coverage covers the first 20 miles of towing and your vehicle winds up needing to be towed 50 miles, you could be on the hook for is much is five dollars a mile or better for those last 30 miles. Generally, towing coverage is very inexpensive and to increase it to a higher mileage of towing is usually only a couple of dollars. It is a coverage that no one thinks about and unfortunately, agents really overlook. In fact, I think very few people even have an agent anymore. Many people just go online and purchase their coverage. Insurance companies are not inclined to offer you better coverages for small amounts of money so often the most economical pops up and unless you click a drop-down button or look further, you may assume that is the only level of coverage offered. 

Where do I have towing coverage?

Road-Side Assistance

Towing your vehicle coverage can come from two different places. You can have a roadside assistance policy on your main insurance or through a separate carrier like AAA and that will cover towing. Roadside assistance policies generally have limitations on towing and a slightly higher fee associated with a better towing package. It is important to look at what you are buying and see if you would benefit from a slightly increased premium for better coverage to tow your vehicle from a long distance.

Auto Insurance Policy

Towing coverage can also be on your primary auto insurance policy. It is not necessary to have duplicate coverage. Roadside assistance policies are generally better because they will come out and change a flat tire or assist you in the event that your vehicle breaks down. You will get more bang for your buck from the roadside assistance policy then a towing policy on your primary auto policy.  Therefore, TheOneLawyer.com, we highly recommend that you have a roadside assistance policy instead of a towing policy.   Many major carriers offer their own roadside assistance, or you can purchase one separate from your auto insurance coverage through a different carrier.  

It has been our experience at the onelawyer.com and dealing with auto accident cases and injured clients that people generally do not even know what towing coverage they have. It is something they just assume is built into a policy and sadly it is not. When you are buying auto insurance or reviewing your auto insurance coverages be sure to check your towing coverage and see what coverages are on the policy.  You do not need to have two policies of roadside assistance and towing. You can put only towing on your automobile liability and comprehensive policy. However, that will only cover towing in the event of an accident and not a breakdown. Therefore, we highly recommend that you purchase roadside assistance instead of towing because it will help you in many more situations such as a breakdown, a flat tire, being locked out of your vehicle or any other mechanical breakdown issue that you may encounter.  If they cannot fix your vehicle on the site, they will tow your vehicle to the nearest body shop.

Below is a comparison of Roadside assistance policies done by motor1.com

Best Roadside Assistance ProviderAverage CostBBB RatingCoverageTowing LimitPolicy Limits
1. Progressive$16A+Towing, winching, jump-start, fuel delivery, battery change, lockout service, flat tire change, on-scene labor15 miles or nearest repair shopService limits vary by policy
2. AAA$38–$164A+Towing, flat tire change, jump-start, fuel delivery, mechanical first aid, locksmith service, identity theft protection, passport photos, trip planningThe nearest gas station, AAA-approved repair facility, or preferred mechanicLimit of 4 service calls per membership year
3. Better World Club$58-$98A+Battery jump-start, flat tire change, lockout service, fuel delivery, trip routing, discounts on hotels, rental cars, and more5 miles with the Basic Auto package, 100 miles with the Premium Auto packageLimit of 4 service calls per year
4. USAA$14A-Towing, lockout service, jump-start, flat tire change, fuel deliveryNearest repair shopPays up to $100 per occurrence
5. Geico$14A+Towing, jump-start, flat tire change, lockout serviceNearest repair shopLimit of 5 service calls per year
6. CARCHEX$60–$110A+Towing, mechanical first aid, flat tire change, emergency battery service, lockout service, fuel delivery, theft reward, trip route mapping25 milesLimit of 5 to unlimited service calls per year, depending on package
7. Allstate Motor Club$86–$144A+Towing, jump-start, fuel delivery, lockout service, flat tire change, trip planning$150–$250 benefit per tow, depending on packageLimit of 3–5 service calls per year, depending on package
8. AARP$64–$84A+Towing, flat tire change, fuel delivery, battery boost, winching, lockout service, trip routing, auto theft reward, emergency hospital bond, arrest bond certificate, legal defense reimbursement, trip interruption guarantee5 miles with the basic package, 100 miles with premium packageLimit of 3–4 service calls per year, depending on package
9. OnStar$300–$756FAutomatic crash response, automatic emergency services contact, towing, flat tire change, fuel delivery, stolen vehicle assistance, remote vehicle diagnostics, 2GB hotspot data40 miles or nearest repair shopService limits vary by customer and state
10. American ExpressFree*A+Towing, winching jump-start, fuel delivery lockout service, flat tire changeNearest repair shopOnly provides coordination and assistance with obtaining services (cost of services are the responsibility of the customer)
https://www.motor1.com/reviews/409428/best-roadside-assistance-plans/

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. 

WHAT KIND OF INSURANCE SHOULD I HAVE?

One of the most frequently asked questions I get from friends and family members as an insurance attorney handling people’s injury and property claims is “what kind of insurance do I have?” 

The most common statement a client makes when they come in the offices usually is, “I have full coverage.”

However, after reviewing thousands of insurance policies, it has become clear that most people do not know what “Full coverage” is. In past years, many people used insurance agents who were helpful in explaining what types of coverages people needed.  Agents would have assisted them in purchasing their insurance. If you can use an insurance agent that you know and trust, I would highly recommend that.  Understanding insurance coverages can be complex, and often a large increase in coverage comes with a very small rate increase. 

For that reason, it is extremely important to understand what insurance coverages for your automobile are available and what the different coverages mean if you are injured, or your property is damaged, or you have injured someone else.   Most auto insurance policies are relatively simple to understand if you know the terminology they use. I think insurance companies intentionally use vague and ambiguous language so that people do not know what they are really buying. The following are the type of coverages that you will be asked if you buy insurance online or by an agent when you go to purchase insurance. Your responses and your purchases can be critical to your well-being in the event that you or someone you love is injured in an accident.  There are several basic coverages.

LIABILITY COVERAGE

The first coverage that you purchase, which is required by law, is called liability coverage (often called bodily injury coverage).   What that means is the amount of money that your insurance company will pay for property damage and bodily injury for the adverse driver and passengers (a.k.a. third parties) in the event you cause an automobile accident. In Nevada, state minimum is 15/30/10. Most people do not know what that means either. When there are three numbers, the first number is the amount your insurance company will pay per person for bodily injury and the second number is the amount your insurance company will pay per accident for bodily injury. For example, if you get into an automobile collision and it is your fault and there is one person in the other vehicle, they can only obtain $15,000 from your insurance company. If there were two people in the vehicle, they could obtain $15,000 each. However, if they were three or more people in that vehicle, the $30,000 would be split between those people if they were injured. It is not rocket science to know that in today’s exorbitant world of medical billing, $15,000 does not go very far. The third number is the total amount your insurance company will pay for property damage to the other vehicle or property such as a damaged road sign because of the accident. If you purchase a minimum insurance policy, you could wind up being personally exposed. Meaning, if there’s not enough insurance coverage, the other driver could sue you and obtain a judgment against your personal assets to recover their damages. For this reason, it is extremely important to insure yourself and your family as high as you can afford to protect your personal assets. Meaning if you own your home, and you have savings accounts, you want to make sure that you have enough insurance. I often recommended umbrella policy to people which is usually a cost of approximately $12-$15 per month and will protect your assets.  An Umbrella policy provides a higher layer of coverage for your auto, home, boat, etc. on top of your limits, usually in the amount of a million dollars.

COLLISION COVERAGE

The second type of coverage which most people consider to be “full coverage” is collision coverage. Collision coverage means that payments will be made to fix your vehicle if your car is damaged in an accident. If you purchase collision coverage, that coverage will cover damage to your automobile. It is extremely important to know what your deductible is. Often, changing your deductible from $1000.00 down to $500.00 is as little as $8.00 to $10.00 on your overall premium. It is important that you check what you are paying for and what you could get for just a little bit more. When you go to Target, you can see all the items on the shelf, and you can see what all the items cost and their value so you can choose accordingly. Unfortunately, with buying insurance, they do not make it that simple.   You must ask these questions either of the agent or when you are buying online you need to change the deductibles and change your coverages and see how it affects your premium.  

MEDICAL PAYMENTS COVERAGE

A little-known coverage that many agents do not even mention, or offer is called Medical Payments coverage, and this can be extraordinarily important for you if you are in an accident. Medical Payments Coverage is usually a fixed amount anywhere from $1000.00, or $2,000.00, or $5,000.00 on up. It means that your insurance company will pay your medical bills regardless of whether you have health insurance if you are in an automobile accident and you’re injured. Medical payments coverage can be very important because often you may have large co-pays, especially for ambulance bills, from an accident. Health insurance often will not cover things like physical therapy as much as you need, or you may have large deductible on your health insurance policy. Medical payments coverage is generally an expensive coverage which will protect you from out-of-pocket medical expenses if you are in an accident. It is important to know that even if it is not your fault, it can take months or years to recover from the other driver. Your medical providers, (hospitals, ambulances, quick cares, etc.) will not wait until the claim is final to send you to collections. When purchasing insurance always look at what medical payments coverage is available and the cost. If it fits your budget, you should purchase medical payments to protect yourself. Another important issue to know about medical payments is that it is not an at fault coverage, meaning if you use your medical payments coverage on your policy, it is not counted as a claim against you for your rates.

UM/UIM COVERAGE

Another extremely important coverage that people often drop to save money is called UM/UIM. This means uninsured or underinsured motorist coverage. Uninsured is self-explanatory, it means that if someone without insurance hits you, you have coverage for your medical bills and injuries. Underinsured coverage means that if someone with a small policy, like the state minimum of $15,000 hits you and you are seriously injured, you can recover against your own policy after the $15,000.00 is paid from the other driver. In the state of Nevada, it is estimated that 13% of all drivers on the road do not have car insurance.  It is extremely important to protect yourself and your assets from reckless and illegal drivers. In the state of Nevada, when you purchase insurance, the insurance company is required to offer you UM/UIM benefits and if you reject the same, they must have you sign a waiver. Think carefully before you reject these benefits because if you are in a serious accident these benefits could protect you and your loved ones from undue financial burden.

RENTAL CAR COVERAGE

Also, there is the coverage for rental car benefits and towing. These are somewhat self-explanatory, however, there are a few tricks. When looking at your towing coverage always check the number of miles that they will tow your vehicle. Sometimes they have separate towing packages where they will only tow your vehicle 5 -10 miles and then you are at the mercy of the tow truck company for the rest of the bill. It is often pennies to change the policy to a better towing policy where they will tow you up to 100 miles.  It is similar with rental coverage. If you, like me, drive a large vehicle to take your family places and haul groceries, and you are need of a rental car from an auto accident, most policies will offer you the $20 a day, very basic economy car.  This may not fit your needs, and if it does not, it can be very costly to you to rent a larger vehicle. When purchasing rental insurance, you usually have the option of $20-$30 a day or $50 a day in rental coverage. Again, this is generally a very inexpensive change on the policy and when purchasing rental insurance, check to see the cost of having a better vehicle in the event that you need a rental car. Often it is less than five dollars.

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.