Strategies, Challenges, and Answers

Avoid UM / UIM Stacking By Meeting These Three Requirements

NeUMUIMvada law authorizes auto insurance companies to avoid stacking their uninsured / underinsured motorist coverage. But before a court will enforce a policy’s anti-stacking provision the company must meet three requirements. See Neumann v. Standard Fire Ins. Co. of Hartford, Conn., 699 P.2d 101, 103 (Nev. 1985).

The three requirements are:

(1)       Clarity;

(2)       Prominence; and,

(3)       The insured cannot have paid full premiums on each of the separate risks covered by the policy. [Continue reading]

Happy President’s Day

Happy President's Day

On this day, to celebrate Washington's Birthday have some cherry pie. If you would rather, have some cornbread and gingerbread men to honor Abraham Lincoln. If your diet or schedule doesn't allow those, let's take a moment to reflect on the … [Continue reading]

State Farm Tries To Dodge The Single Shot Fired By The Policyholder That Nevada Follows California’s Cumis Rule

Cumis Brief

The Nevada Law Blogs are documenting the drama that plays itself out on the stage of the Nevada Supreme Court. This particular drama focuses on whether an insurance company can be obliged to pay the fees of an attorney hired by the policyholder … [Continue reading]

Homebuilders, With Their Own Axe To Grind, Argue That Independent Counsel Should Be Required Upon Issuance Of Every Reservation Of Rights Letter

I'm all out of axes except yours

The Southern Nevada’s Homebuilders Association says that the insurance industry is doing its members wrong by not giving them independent counsel. They file an amicus brief with the Nevada Supreme Court and hope that amidst all this gunfire between … [Continue reading]

Dr. Martin Luther King Jr. Had a Dream . . .

I have a dream - Martin Luther King

As our nation celebrates Martin Luther King’s birthday, let us reflect on a few of his words. "I say to you today, my friends, so even though we face the difficulties of today and tomorrow, I still have a dream. It is a dream deeply rooted in the … [Continue reading]