Farmers issued two separate auto policies to the Torres family. Both policies included uninsured coverage. The Torres daughter was injured when a moped on which she was a passenger crashed. There was no coverage on the moped so Mr. Torres turned to her parent’s auto policy for UM coverage. The company admitted coverage and paid one of the two UM coverages. However, it argued that it owed no duty to stack the policies because of the anti-stacking provision in an Endorsement. The trial … [Read more...]
Insurance Company Must Stack Multiple UM Coverages If The Anti-Stacking Language Is Not Clear.
March 21, 2019 by
Bobtail Insurance Provides Limited Coverage
February 15, 2019 by
Truckers and trucking companies do business under many different contractual arrangements. Some truckers drive as employees of a single trucking company. Those drivers operate the company’s truck and pull the company’s trailers. However, a common business model involves a person who owns and operates his or her own truck (known as an owner-operator). These owner-operators “lease on” to drive for a properly licensed and authorized motor carrier. Lease agreements between the motor carrier and … [Read more...]
Where An Insurance Company Breaches Its Duty To Defend, It Can Be Liable For An Excess Verdict Even If The Company Did Not Act In Bad Faith
February 5, 2019 by
Ryan Pretner suffered critical injuries when he was hit by a truck driven by Michael Vasquez. Mr. Vasquez’s truck was covered by two auto policies, his personal policy, and his business auto policy. His personal insurance with Progressive had a limit of $100,000 per person. His commercial auto policy with Century Surety Company had a $1,000,000 limit. Century Surety conducted an investigation and determined that Mr. Vasquez was not in the course and scope of his business as an auto … [Read more...]
What The Heck Is An Automobile Operator’s Insurance Policy?
January 23, 2019 by
The State of Nevada compels automobile drivers to have insurance. You can learn more about Nevada’s Compulsory Insurance Law HERE. There are two ways to satisfy the compulsory insurance requirement. Most people are familiar with the Nevada law that requires the OWNER of a motor vehicle to continuously maintain insurance. This “Owner’s” coverage is the type of insurance that most people are familiar with. However, Nevada law allows for an alternative way to satisfy the compulsory … [Read more...]
Season’s Greetings
December 21, 2018 by
I really enjoy this time of year. It means that I get to spend more time with my family and splurge eating some foods that I would otherwise shun. I hope that all of the readers of the Nevada Law Blogs will also be sipping something warm, eating a little too much and staying safe out of the weather. Most importantly, I hope that you all will be sharing this wonderful Season with those that you love. From all of us to all of you, have a Happy Holiday. … [Read more...]
