Strategies, Challenges, and Answers

Insurance Company Must Stack Multiple UM Coverages If The Anti-Stacking Language Is Not Clear.

Multiple UM Coverages Farmers issued two separate auto policies to the Torres family.  Both policies included uninsured coverage.

The Torres daughter was injured when a moped on which she was a passenger crashed.  There was no coverage on the moped so Mr. Torres turned to her parent’s auto policy for UM coverage.

The company admitted coverage and paid one of the two UM coverages.  However, it argued that it owed no duty to stack the policies because of the anti-stacking provision in an Endorsement. The trial court agreed that the anti-stacking provision of the policies prevented stacking.  [Continue reading]

Bobtail Insurance Provides Limited Coverage

Bobtail Insurance

Truckers and trucking companies do business under many different contractual arrangements.  Some truckers drive as employees of a single trucking company.  Those drivers operate the company’s truck and pull the company’s trailers.  However, a common … [Continue reading]

Where An Insurance Company Breaches Its Duty To Defend, It Can Be Liable For An Excess Verdict Even If The Company Did Not Act In Bad Faith

Century Surety Co. v. Andrew

Ryan Pretner suffered critical injuries when he was hit by a truck driven by Michael Vasquez.  Mr. Vasquez’s truck was covered by two auto policies, his personal policy, and his business auto policy.  His personal insurance with Progressive had a … [Continue reading]

What The Heck Is An Automobile Operator’s Insurance Policy?

Operators Insurance Policy

The State of Nevada compels automobile drivers to have insurance.  You can learn more about Nevada’s Compulsory Insurance Law HERE.There are two ways to satisfy the compulsory insurance requirement.Most people are familiar with the Nevada law … [Continue reading]

Season’s Greetings

I really enjoy this time of year.  It means that I get to spend more time with my family and splurge eating some foods that I would otherwise shun.I hope that all of the readers of the Nevada Law Blogs will also be sipping something warm, eating … [Continue reading]