Strategies, Challenges, and Answers

Nevada Court Interprets California Family’s Auto Policy Using California Law Following Nevada Accident

Nevada often follows the lead of California when it comes to interpreting the law. But there are times when the law of the two states is irreconcilable. Take the case of Mr. and Mrs. Sotirakis for example. Mr. and Mrs. Sotirakis lived in California. They owned a home in California. They garaged and registered their cars there. The Sotirakis family bought their insurance from USAA. USAA issued the Sotirakis family its auto policy in California.As many Californians are prone to do, Mr. and … [Read more...]

Nevada’s Compulsory Auto Insurance Law and Nevada’s Financial Responsibility Law Working Hand In Hand

In the area of Nevada automobile insurance coverage, there are regular references to the Nevada’s Compulsory Automobile Insurance Law, N.R.S. 485.185 - 485.187, and its Financial Responsibility Law, N.R.S. 485.190 – 485.420.  In answering coverage questions, it is important to understand the purpose of each of these laws and to differentiate between the effects of that these laws have.  The case of State of Nev., Dep’t of Motor Vehicles v. Lawlor, 101 Nev. 616, 707 P.2d 1140 (1985) does a good … [Read more...]

Household Exclusion Conflicts With Nevada’s Compulsory Auto Insurance Law. Nevada Supreme Court Allows Insurer To Enforce Exclusion And Prevent Payments In Excess Of Compulsory Minimum Limits

An adjuster recently wrote to the Nevada Law Blogs asking if there would be insurance coverage to pay a mother for the wrongful death of her child who died as a result of the negligence of her husband, the deceased child’s father.  This question focuses on the household exclusion found in many auto policies. Household exclusions attempt to eliminate coverage when one member of the household sues another for negligence.  At least in the Nevada auto realm, the answer to this question is found in … [Read more...]

Nevada Requires An Owner’s Auto Policy To Provide Minium Limits Coverage To Any Permitted Driver, Even If The Policy Specifically Excludes That Person By Name

An insurance company that has been writing policies in Nevada for just a few years asks the Nevada Law Blog if it can deny third-party liability coverage to a permissive driver who was excluded by name from the policy.  Nevada answered that question over two decades ago in the case of Federated American Ins. v. Granillo, 108 Nev. 560, 835 P.2d 803 (1992).Mr. Granillo bought auto insurance from Federated American Insurance.  The company told Granillo that if he were the only driver of the … [Read more...]

Did You Ever Forget To Tell Your Current Insurance Company About Buying That Additional Car?

Joey Webb of State Farm writes to the Nevada Insurance Law blogs asking: "When a person purchases a new vehicle, how long are they covered for on their current policy before physically adding the new vehicle to their policy?" Thanks for the great question Joey.  Clearly, Mills & Associates is not in the business of offering advice to non-clients based on specific facts.  So we have to say that the most accurate answer is “That depends on the facts and the policy.”  When dealing with a … [Read more...]