Strategies, Challenges, and Answers

Even Where the Policy Language Conflicts, The Renter’s Personal Auto Policy Is Primary To The Rent-A-Car’s Financial Responsibility Coverage

The case of Alamo Rent-A-Car v. State Farm, 114 Nev. 154, 953 P.2d 1074 (1998) was a high-stakes showdown between a rental car company and two personal auto insurance companies, State Farm and Valley Forge.  As you know, Nevada law requires that a rental car company must provide proof of financial responsibility on every car that the company puts on the road.  NRS 482.295.  And in this case, each driver had his or her own personal auto coverage.  The dispute that the court was asked to resolve … [Read more...]

Plain Vanilla Nevada Bad Faith

Farmers Home Mutual Ins. v. Fiscus, 102 Nev. 371, 725 P.2d 234, (1986) is a text book example of a straightforward bad faith suit.  It all started out simply enough.The Fiscus family used an evaporative cooler to keep their Boulder City home tolerable during the long, hot Nevada summers.  The cooler’s water supply line hooked into the pipe under the kitchen sink and ran up to the roof.  While the Fiscus family was away on a three-week summer vacation, the cooler’s supply line became … [Read more...]