Strategies, Challenges, and Answers

Nevada Follows The “Initial Permission” Rule When Dealing With Questions Of Permissive Use

Normally, it is easy to know whether the person whose name is on the auto insurance policy has liability coverage when operating his or her insured car. But that analysis becomes more difficult when the driver is not a named insured. Nevada Law requires that a liability insurance policy must extend to any person that is operating the vehicle with the “express or implied permission of the named insured.” NRS 485.3091(1)(b). The “omnibus clause” in most insurance policies allow for this type of … [Read more...]

Nevada Considers Coverage Issues Arising From The Loading And Unloading Of Commercial Trucks And Trailers.

The year is 1964.  A construction truck pulls up to the dock at Richfield Oil Corporation in Las Vegas, Nevada.  The driver of the truck hopes to load fuel that he can haul to a construction site where his equipment is operating. Mr. Spink is the guy working the dock.  He is the one who is going to load the fuel on the truck.  He pulls the bung out of the fuel drum to begin the transfer of fuel from the drum to the container in the back of the truck.  Fuel spews up and out of the drum.  The … [Read more...]

What Is The Extent Of Coverage In A Parental Liability Automobile Case?

In a recent post on our Nevada Insurance Law blog, we discussed how the person (usually a parent) who signs a minor’s driver’s license can be vicariously liable for the minor’s conduct.  In the case of United Services Auto. Ass’n v. Crandall, 95 Nev. 334, 594 P.2d 704 (1979), the Nevada Supreme Court gives some direction as to how it will handle coverage in sticky parental liability cases. In Crandall, the father had signed the driver’s license of his 16-year-old daughter.  The daughter took … [Read more...]

Got Questions?

These posts on the Mills & Associates Nevada Coverage & Bad Faith Law blog are published to provide useful insights on Nevada insurance law to our clients and other subscribers. Many times the topics are suggested by recent case law, or issues raised by litigation. As part of our ongoing effort to provide both timely and helpful information, we invite all our readers to submit issues which they would like to see addressed in future blog posts. Likewise, please submit questions … [Read more...]