Strategies, Challenges, and Answers

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

Century Surety Co. v. AndrewRyan 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 detailer with Blue Streak Auto Detailing.

Mr. Pretner served Mr. Vasquez and Blue Streak with a demand to settle for the policy limit.  Century Surety refused the demand.  Mr. Pretner (via his legal guardian Dana Andrew) filed suit against Mr. Vasquez and Blue Streak alleging that Mr. Vasquez was in the course and scope of his business when the accident happened.  Mr. Pretner’s counsel notified Century Surety of the lawsuit.  Despite the allegations in the complaint, Century Surety insisted that the claim was not covered under its policy of insurance and did not take up the defense. [Continue reading]

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

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 … [Continue reading]

Season’s Greetings

Seasons Greetings

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 … [Continue reading]

Let’s Appreciate and Remember Our Veterans; on Veterans Day and Everyday

Officially, we celebrate Veterans Day on November 11. Americans honor the brave men and women of the armed forces who risk their lives to protect our freedom. They include past and present members of the US Army, Navy, Marine Corps, National Guard, … [Continue reading]

Nevada’s Auto Liability Compulsory Insurance Minimums Have Risen

Increase in Minimum Limits

I have been practicing law in Nevada for nearly 30 years. For as long as I can remember, Nevada has required autos registered in this state to have bodily injury automobile liability insurance of at least $15,000 per person / $30,000 per occurrence.  … [Continue reading]