Strategies, Challenges, and Answers

If The Truck Is Big, Is More Insurance Required?

Las Vegas is a popular convention destination.  The largest convention venue in town is the Las Vegas Convention Center, which touts over 4.6 million square feet of convention space.  Event planning professionals keep busy, helping their clients set up, present and then take down the displays that fill these convention spaces.   One such event planning organization is CCR Solutions.  CCR Solutions advertises on its website that it is a leader within the Audio Visual Staging Industry.  CCR … [Read more...]

To What Extent Can An Insurance Company Rescind Coverage On A Nevada Auto Policy?

Regular readers of this blog may want to jump in and immediately answer that an insurance company cannot rescind auto coverage post-accident.  We learned that principle in the blog post HERE about Torres v. Nev. Direct Ins. Co., 131 Nev. 531, 353 P.3d 1203, 2015 Nev. LEXIS 61 (2015). That is because Nevada's Financial Responsibility Law , NRS 485.3091 imposes compulsory coverage after the accident has happened.  In the Torres case, the court ruled that the breach of the insured’s duty to … [Read more...]

Bobtail Insurer Did Not Wait Too Long To Disclaim Coverage

In a POST earlier this year, we recited the general rule that when a truck is pulling a load for a motor carrier, the motor carrier’s policy is responsible to provide insurance.  The inverse of that general rule is that when the truck is not in the business of a motor carrier, normally the non-trucking (otherwise known as bobtail insurance) is the responsible insurance carrier. The case of United Fin. Cas. Co. v. Country Wide Ins. Co., No. 18-3022, 2019 U.S. App. LEXIS 19581 (2d Cir. July 1, … [Read more...]

What The Heck Is An Automobile Operator’s Insurance Policy?

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...]

Nevada’s Absolute Liability Statute Does Not Create A Third-Party Bad Faith Claim.

We have previously written about Saundra Torres.  She was hurt when she was involved in an auto accident with a vehicle that was insured by Nevada Direct Insurance Company. She filed suit against Nevada Direct’s insureds Perez-Castellano and Mollinedo-Cruz.  For a time, Nevada Direct defended.  But after the insureds failed to cooperate, Nevada Direct withdrew its defense and filed a declaratory relief action.  In the declaratory relief action, Torres refused Nevada Direct’s offer to settle … [Read more...]