Strategies, Challenges, and Answers

Salas v. Allstate Rent-A-Car: Rental Car Companies May Need To Provide A Second Layer Of Auto Insurance Coverage

Every motor vehicle registered in Nevada must have a minimum level of liability insurance, namely, $15,000 per person, $30,000 per occurrence and $10,000 for property damage. N.R.S. § 485.185.  The Nevada Financial Responsibility law is meant to insure that individuals who are injured in motor vehicle accidents have a source of indemnification. Hartz v. Mitchell, 107 Nev. 893, 896, 822 P.2d 667, 669 (1991).  The opinion of Alamo Rent-A-Car v. State Farm, 114 Nev. 154, 953 P2d 1074 (1998), which … [Read more...]

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...]