In Nevada, there’s alcohol everywhere. Or at least that is what many visitors believe as they find themselves partaking in “just one more” at every stop of their visit. Even some locals live up to the outsider’s stereotypical view of a Las Vegas resident by overdoing it a bit too often. However, like every other state, Nevada has strict laws against driving while intoxicated. Seasoned adjusters know the many complications that can arise when dealing with a claim involving an intoxicated … [Read more...]
Archives for May 2013
UM Subro? Yes! UIM Subro? No.
May 6, 2013 by
In Nevada, uninsured (UM) and underinsured (UIM) come as part of the same insurance offering. The law requires that both auto coverages must be offered. NRS 687B.145(2). While UM and UIM may be legally one and the same coverage, they are treated very differently when it comes to subrogation. If the at-fault driver is uninsured, the law allows the UM carrier to be subrogated to the amount that it paid to the insured for the UM loss. NRS 690B.020(5) says: 5. If payment is made to any … [Read more...]
