Month: November 2016

How to Handle a Hit and Run Accident Without Losing Your Cool

Posted on by TheSph3r3
hit and run auto insurance las vegas nv

Are you the victim of a hit and run? Here’s how to handle the situation.

You always hope that there are no injuries in the event of a car accident. Even so, there are a lot of emotions that can exacerbate the situation. That’s why a hit and run accident can leave you feeling physically and emotionally debilitated. If the driver that hit you speeds off, learn what you can do to minimize further damage.

Do not chase after the vehicle. While it’s tempting to hunt down the driver that left you roadside, driving after him or her can be dangerous. It’s best left to the professionals to take care of that situation. If you’re able, note down any information about the vehicle and which direction it was heading.

Record eyewitness information. If there are any witnesses at the scene, or if there were other people in your car at the time of the accident, ask if they remember anything about the vehicle and situation. The more information that you can gather for the police, the better.

Gather information. Take pictures of the damage to your vehicle and record the date, time, location, and whole incident.

File a police report. The police need to have all of the information on record to assist in finding the guilty party in the car accident. Be honest with the investigating officers and if you’re not sure of any details, let them know. Furthermore, a police report will help you to file an insurance claim.

Contact your insurance agency. Let your insurer know that you’ve been involved in a hit and run accident. Information and the police report will help in compiling your claim together.

Uninsured/underinsured motorist coverage protects you against both financial and non-financial losses sustained as a result of an uninsured, underinsured, or hit-and-run driver. Does your auto insurance provide this basic coverage that protects you? Visit the professionals at All Nevada Insurance for your auto insurance coverage in Las Vegas and surrounding cities in Nevada.

5 Lesser-Known Thanksgiving Facts

Posted on by TheSph3r3
Thanksgiving Facts

Get into the spirit with these Thanksgiving fun facts.

Thanksgiving is the time for reflection and giving thanks. It allows us time to give thanks for our friends, family, food, and health, as well as the shortened work week! While you fill your bellies this holiday season, check out these Thanksgiving fun facts that are sure to entertain your family and friends around the table!

It’s now only one day. If you can’t make it through the daylong celebration of food, football, and family, be thankful that you weren’t around for the first Thanksgiving. That celebration took place in the autumn of 1621 in Plymouth Colony between European settlers and the Wampanoag Indians and it lasted three days!

Our American holiday. Abraham Lincoln issued a Thanksgiving proclamation officially setting aside the last Thursday of November as the national day for Thanksgiving.

It’s the season! In 1939, President Franklin D. Roosevelt restored the Thursday before last of November as Thanksgiving. He did so to make the Christmas shopping season longer and thus stimulate the economy during the Great Depression.

Berries, anyone? In all, 768 million lbs. of cranberries were produced across the United States in one year. Wisconsin and Massachusetts were responsible for the most production, producing 450 million and 210 million lbs. of cranberries, respectively.

Thanksgiving was celebrated far and wide. Europeans and Americans once celebrated Thanksgiving holidays throughout the year. Around the time the Pilgrims came to American in 1620. It was common in England and many parts of Europe to frequently set aside days for giving thanks to God.

For the protection that you need to keep you and your festivities safe, review your insurance policies. With the right coverage, you can feel rest assured that the right defenses are in your field. Contact the professionals at All Nevada Insurance for all of your insurance needs in Las Vegas, Nevada.

A Fun Bisque Thanksgiving Side Dish!

Posted on by TheSph3r3
Thanksgiving Side Dish!

Sundried tomato and butternut squash bisque Thanksgiving side dish!

Thanksgiving is the ideal time to get together with family and appreciate each other. With your table about to be host to all of your family, it’s time to whip up some delicious dishes!

Butternut squash is ubiquitous during fall – and it should be included in your Thanksgiving meal! To complete your menu, whip up this sundried tomato and butternut squash bisque!

Ingredients

  • 1 medium sized butternut squash
  • 1 teaspoon minced garlic
  • 1 leek, tough green parts removed, cleaned and sliced
  • 1/2 tablespoon olive oil
  • 1 cup sundried tomatoes (not in oil), soaked at least 1 hour and drained
  • 2 cups salted vegetable broth
  • 2/3 cup low fat canned coconut milk
  • 1/2 teaspoon ground cumin
  • Sea salt and black pepper to taste

Directions

  • About 1 hour before preparing, preheat your oven to 350 °F, slice your butternut squash in half lengthwise and remove the seeds. Sprinkle the flesh of the squash gently with salt and then place face down on a baking sheet. Add about 1/4 cup water to the pan and cook for 45- 60 minutes, or until the squash’s skin is tender enough to be pierced with a fork.
  • While the squash is roasting, saute the garlic and leek along with the olive oil over medium-high heat until tender, about 10 minutes. Set aside.
  • Once the squash is tender, transfer to a high-speed blender (or use a good quality immersion blender or food processor) and puree along with garlic and leek, the sundried tomatoes, vegetable broth, coconut milk, and cumin. Add a little more broth if you prefer a thinner soup. Blend until completely smooth, about 10 minutes. Warm gently if needed over medium heat until desired temperature is reached. Salt and pepper to taste.

From the professionals at All Nevada Insurance, we hope you and your family have a wonderful Thanksgiving! For all of your insurance needs, visit us in Las Vegas, Nevada!

5 Life Insurance Mistakes to Avoid

Posted on by TheSph3r3
Life Insurance Mistakes Las Vegas NV

Don’t fall into these common traps when selecting your life insurance policy! 

Buying life insurance is one of the most important decisions you’re going to make. As a selfless policy, you will never reap the benefits of life insurance but your family will. You buy life insurance to protect your family from getting caught out financially.

While many think that the first online policy that they see will fit the bill, to select the wrong policy for you can be a costly mistake to make!

Avoid making these common mistakes when it comes to life insurance:

Mistake No. 1: Not doing your research

Not all life insurance policies meet your own specific and unique needs. Avoid picking a policy at random or without examining the fine details.

Mistake No. 2: Waiting too long

Without life insurance, you leave your family vulnerable if something unexpected happens to you. Buying a policy while you’re young and in relatively good health ensures that you get coverage and enjoy lower rates. If you wait until you’re much older to get insurance, the policy premium will be much higher as you are at a higher risk for health issues.

Mistake No. 3: Buying for a short term

You may be trying to save a few dollars by choosing shorter-term coverage. However, should you buy a 5-year policy and you have medical issues six years from now, your insurance rates will certainly spike, if you manage to get coverage at all.

Mistake No. 4: Lying about your health

Cheating the system always ends up backfiring. Never lie about your health or personal information as, ultimately, this will be detrimental to your family when your coverage is disqualified.

Mistake No. 5: Selecting too little

Always buy ten to twelve times your income in life insurance coverage. While this seems excessive, if you’re the primary source of income in your household, your spouse and children will need financial assistance.

Be sure to talk to a life insurance expert when deciding on what coverage works best for your family and budget. Our professionals at All Nevada Insurance are here to help you secure the right policy! Visit us in Las Vegas, Nevada today.

Shopping for a Safe Car? Use These Tips

Posted on by TheSph3r3
Life Insurance Mistakes Las Vegas NV

A car can keep you safe for many years to come. Purchase the right one.

Whether you’re making the most of the end of year sales or buying a car for your new teen driver, you’re likely to shop around at dealerships. When a new car is on your wish list this festive season, you’ll want to keep safety in the forefront of your mind.

Not only do vehicles vary in size and color, but they also differ in safety! There are important safety differences, and some vehicles are more protective than others. Many automakers offer safety features beyond the required federal minimums.

Keep these signs in mind when shopping for a safe car!

  • Size – The laws of physics dictates that larger and heavier cars are safer. While Smart Cars (those tiny cars!) are great for island driving, they could be at risk of complete destruction if they were involved in a freeway crash with SUVs. However, bigger isn’t always better! Big cars guzzle more fuel, are inconvenient to drive, and tend to be more expensive than smaller cars. Aim for the size that you need – not what you want.
  • Performance – High-performance cars can tempt you to drive faster. Before buying your teenager a nifty sports car, you should consider the likelihood of them going above and beyond the speed limit.
  • Structure – Ask the dealer about a car’s safety cage. The crumple zone should be sufficient and the materials used shouldn’t be flexible or cheaply constructed. If the front and rear crush zones are inadequate, the likelihood of severe injuries increases rapidly.
  • Restraint systems – Belts, Airbags, and restraints all work together with a vehicle’s structure to protect passengers in serious crashes. In some cars, there will be a simple belt and passengers and driver airbags. More and more cars are now installing multi-way belts for added protection for children and babies, as well as side airbags. Look for the car with more added restraint systems!
  • Daytime running lights – By having low beam headlights on during the day, the visibility of the car is increased. In turn, a crash is less likely to happen to those with daytime running lights.
  • Anti-lock brakes – These prevent brake lock ups and allow you to keep the car in control!
  • Crashworthiness – See how cars faired up in crash ratings here.

The price of safety doesn’t have to come with a hefty price tag. Once you have secured the ideal, safe car for you and your family, receive a reliable and protective auto insurance policy! Contact the team at All Nevada Insurance in Las Vegas, Nevada for the coverage that you and your vehicle deserve.

Don’t Miss Our MMA Charity Event!

Posted on by TheSph3r3
MMA Charity Event

Join us to fight for our troops with this Operation Knockout MMA Event!

The team at All Nevada Insurance are excited to announce the annual MMA charity event, Round 7: Operation Knockout! This event is part of a 12-bout amateur MMA event, presented by Randy Couture, that benefits the Xtreme Couture GI Foundation.

This event will take place on Saturday, November 19th at the Downtown Las Vegas Events Center! As always, all proceeds with go to Randy Couture’s G.I. Foundation that directly helps wounded soldiers and their families. The G.I. Foundation creates awareness about the suffering that injured veterans go through, raising support and aid for those who need it the most. They help these veterans to get back on their feet and back to civilian life, after giving their all for their country. There are many ways to honor the veterans and wounded soldiers; supporting this foundation is one of them!

Tickets are low as $10, and you get to see a fun fight and listen to D.J. Dezie – all for a charitable cause! Stay up to date with us as we’ll be letting people once they go on sale. In the meantime, please feel free to donate to such a worthy cause by clicking here. Thank you for all your support!

Ready Your Business for Winter Weather

Posted on by TheSph3r3
Winter Business Insurance Las Vegas NV

Take precautions to protect your business from winter weather.

Winter-related damages can affect any business, regardless of the type or size of the commercial property. While Las Vegas, Nevada isn’t known for its ice and snow during winter, the weather can take a turn for the worse. Some of the most common types of problems occur from colder temperatures, rain, wind, and ice. As a business owner, you’ll want to protect your property before the winter hits and the risk of damage increases.

Prepare now to avoid damage later:

When a business can’t function properly, profits are affected. When cold weather damages occur, business owners and managers are left dealing with repairs and downtime, rather than running their business. Taking preventative steps while the weather is warm is ideal!

  • Before the cold weather sets in, drain water from all systems and equipment not needed in winter months. This should include air conditioning units and landscape sprinklers.
  • Inspect the exterior of the building for gaps and seal appropriately to prevent rain and debris from getting inside.
  • Check for repair damages to the roof. Make sure gutters are free from debris and in good condition, and that downspouts are intact and draining in areas away from foot traffic.
  • Trim tree branches and landscape that might come in contact with the building in the event of strong winds.
  • Make sure the heating system has enough fuel for expected conditions and a backup in case of an emergency.
  • Ensure that your heating system is in good working condition for the cooler months!
  • When it rains, be sure that the building’s floors are wiped and kept dry. You could be held liable for damages if an employee or guest slips and falls on the wet floor.
  • Calculate the cost of business interruptions for one week, one month, and six months so you know how to prepare.
  • Review your business insurance policy!

Your business insurance is there to protect your company throughout the entire year, whatever the weather. From liability coverage to business interruption protection, discuss your needs and wants with your insurance agent. The professionals at All Nevada Insurance, serving Las Vegas and neighboring cities, are here to secure the right protection for your business for winter and beyond!