Strategies, Challenges, and Answers

Archives for February 2015

Avoid UM / UIM Stacking By Meeting These Three Requirements

Nevada law authorizes auto insurance companies to avoid stacking their uninsured / underinsured motorist coverage. But before a court will enforce a policy’s anti-stacking provision the company must meet three requirements. See Neumann v. Standard Fire Ins. Co. of Hartford, Conn., 699 P.2d 101, 103 (Nev. 1985).The three requirements are:(1)       Clarity;(2)       Prominence; and,(3)       The insured cannot have paid full premiums on each of the separate risks covered by the … [Read more...]

State Farm Tries To Dodge The Single Shot Fired By The Policyholder That Nevada Follows California’s Cumis Rule

The Nevada Law Blogs are documenting the drama that plays itself out on the stage of the Nevada Supreme Court. This particular drama focuses on whether an insurance company can be obliged to pay the fees of an attorney hired by the policyholder because of an alleged conflict between the interest of the insurance company and its policyholder.We described this epic show down comparing it to an old west gunfight. We introduced the characters and the issues HERE and HERE. We outlined the … [Read more...]