Strategies, Challenges, and Answers

Once An Insured Proves Coverage, The Burden Shifts To the Insurer To Prove An Exception Or Exclusion

In Nevada Insurance Coverage lore, Victor Havas is legend. Cases involving Mr. Havas answer so many insurance coverage questions.  What duty does an insurance agent owe to a customer? Havas v. Carter, 515 P.2d 397, 89 Nev. 497 (1973). For more information, see here.  When is replacement value the appropriate measure of damages rather than actual case value? Havas v. Atlantic Ins. Co., 95 Nev. 415, 596 P.2d, 246 (1979). here.  How can an insurance company avoid a waiver when it investigates a … [Read more...]

Nevada Requires Drivers To File Traffic Reports If Police Do Not Respond

The Las Vegas’ Metropolitan Police Department no longer responds to motor vehicle accidents where no one reports an injury.  However, if Metro does not respond, current law requires drivers (or if the drivers are unable, then the owners) to file an accident report if a Nevada motor vehicle accident results in property damage that exceeds $750.00.  See NRS 484E.070(2).  Thus, these driver’s Reports of Traffic Accident have become more critical than ever before.  The Report of Traffic Accident … [Read more...]