CAN MY INSURANCE COMPANY RAISE MY RATES IF I USE MY INSURANCE IN AN ACCIDENT, EVEN THOUGH THE ACCIDENT WAS NOT MY FAULT?
One of the most frequent misconceptions I hear about Insurance Companies is that people think insurance companies have the right to raise insurance rates for whatever reason they want. That is what the insurance companies want you to believe. This makes people afraid to use the insurance policies they paid for even when they need them. The truth is that it is illegal for an insurance company in Nevada to raise your insurance rate for an accident that was not your fault. Here is the statute in full:
NRS 687B.385 Cancellation, nonrenewal or increase in premium due to claims for which insured was not at fault prohibited. An insurer shall not cancel, refuse to renew or increase the premium for renewal of a policy of motor vehicle insurance covering private passenger cars or commercial vehicles as a result of any claims made under the policy with respect to which the insured was not at fault.
(Added to NRS by 1987, 1063; A 1997, 3033)
Further, auto insurance policies that include medical pay and rental coverage are not fault based at all. You paid extra for these policies. If you don’t use them when you need them you wasted your money.
If your insurance company has raised your rate or cancelled your insurance for an accident when you were not at fault it is illegal. You should file a complaint with the Nevada Commissioner or Insurance. If this has happened to you call my office today.
DOES MY HEALTH INSURANCE HAVE TO PAY MY MEDICAL BILLS IF I HAVE BEEN IN AN AUTO ACCIDENT?
I often hear people tell me that their Health Insurance Company gave them the impression that they don’t pay for Hospital and medical bills if you have been in an automobile accident. This is false. The insurance companies want you to think you are not covered so they don’t have to pay your bills. The truth is it does not matter if you were in an accident or not. Health insurance still has to pay for covered events and procedures such as ambulance and Hospital bills. Your health insurance company may require you to fill out what is known as a subrogation claim form. What this means is that under Federal law known as the Employee Retirement Income Security Act of 1976 (ERISA) http://www.dol.gov/dol/topic/health-plans/erisa.htm. Your Health Insurance company may be entitled to place a lien for reimbursement against any recovery you may receive in your auto accident claim. In other words your health insurance may take part or all of your settlement as reimbursement for what they paid.
However, it is my advice that you should always use you health insurance to pay your hospital and ambulance bills. Why? Because Health Insurance Companies are able to negotiate a discount rate for services with covered providers such as Hospitals that no one else can get. They literally pay pennies on the dollar. If you pay full price at the Hospital, the bill is going to be many times higher. In most cases you will recover much more in your pocket by using your health insurance. If you have any questions about this call my office at 702-382-9307
WHAT SHOULD YOU DO IF YOU ARE IN AN ACCIDENT? Should you call the police? Do I have to report it? Do I need to report the accident to my insurance company and the DMV. The short answer to all these questions is yes. What If if don't have insurance? The following general information is taken from the Las Vegas Metropolitan Police Department Website. If you want more specific advice call me. I have been practicing personal injury law in this state for 23 years. I can help you. It's a free consultation. Attorney Steve Karen will speak to you personally today.
What do I do if I’m involved in an accident?
Call 9-1-1 and they will assess the need for assistance. If there are no injuries, people will be asked to take the following steps:
Pull over out of traffic when it is safe to do so;
Take a picture, if it is safe to do so, to visually document the damage;
Exchange information with the other driver (SAMPLE drivers exchange information form);
Obtain all personal information from the other driver(s) involved, including name, address, phone number, driver’s license number and state of issuance;
Obtain insurance information from the other driver(s) including the name of the insurance company, policy number and expiration date of the policy;
Obtain the year, make, model and license plate number, including state of issuance of all vehicle(s) involved. Also obtain the name and address of the registered owner and the (VIN) Vehicle Identification Number;
Obtain the name(s) and phone number(s) of passengers in the vehicle, along with the name(s) and phone number(s) of any witnesses to the crash;
Document everything on an SR-1 Form, found on www.dmvnv.com.
For a direct link to the SR-1 Form, CLICK HERE
If you have a smartphone, see if your insurance company has an app that you can use to help you gather accident information.
Contact your insurance company as soon as possible.
What happens if one of the parties involved in the accident does not have insurance? Make sure you document that the other driver does not have insurance on the SR-1 form. If you have an uncooperative driver who will not exchange information, call the police.
Should I drive my car from the scene or have it towed? If the car is in working order, you may drive it yourself. If the car is disabled and blocking or impeding traffic, call police.
Doesn't my insurance company need a police report to prove I was in an accident? No. A police report is not necessary to file a claim with your insurance company.
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I HANDLE SERIOUS INJURY CLAIMS
HOW DOES AUTO INSURANCE COVERAGE WORK IN NEVADA?
"FULL AUTOMOBILE INSURANCE" USUALLY MEANS YOU HAVE THE MINIMUM COVERAGE
I don't know how many times I have heard from people that they have great insurance "full coverage". Unfortunately, "Full coverage" does not mean what they think it means. These people are then shocked to find out that the coverage their insurance agent sold them is the minimum insurance policy limits that the State of Nevada allows. Nevada requires that automobile liability insurance policies carry minimum coverage of $15,000 for bodily injury or death of one person in any one accident; $30,000 for bodily injury or death of two or more persons on any one accident; and $10,000 for injury to or destruction of property of others in any one accident. So if they purchased the state minimum they are "fully covered" under Nevada law. Of course It is possible to purchase more coverage protection than the minimum level of coverage required. Liability insurance coverage protects you only if you are liable for an accident and pays for the injuries to others or damages to their property. It does not provide coverage for you, your passengers, or your property. Property Damage coverage is also available but is a separate coverage and is not required by law. Unfortunately $15,000 in coverage does not even buy you one day of treatment in a Hospital for a serious injury. To find out what your policy limits are check your declarations page or call your agent and ask. Always ask how much your policy limits are when you are buying insurance. If the agent tells you that you have "full coverage" make sure you ask them how coverage limits you have. Make sure to shop around when buying insurance. I offer free insurance policy reviews for current and existing clients. You can call me at 382-9307. You can also get information about auto insurance from the Nevada Division of Insurance.