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What to Do if Your Car is Totaled

Posted on by TheSph3r3

Getting into a car accident is bad enough, and it can be even worse if the accident totals your car. Dealing with an accident that ends in totaling your car needs to be handled slightly different than a normal car accident. Make sure that you know what to do if your car is totaled after an accident.

If your car is totaled, it means that the cost to fix your car is more than the car is worth. After an accident, your insurance company will use a source such as Kelley Blue Book to determine the actual cash value of your vehicle. That value will then be adjusted according to the condition that your car was in before the accident. The cash value of your vehicle will be lower if it was dented, leaking, and rusted, as opposed to being in pristine condition. The final value will also take customization, mileage, and enhancements into consideration.

Once your insurance company comes up with the value of your vehicle, they will then subtract the estimated cost of repairs and salvage value of your vehicle. If the actual cash value of your car is less than the salvage and repair costs, they will consider your car totaled.

If you own your car outright when it is totaled, the company will typically write you a check for the actual cash value of your car, minus your deductible and any other fees. If you are leasing your car, the leasing company will get the same amount of money, and if there is any left over, you will get the balance.

Most importantly make sure that you have the right auto insurance policy that will provide you with the right amount of coverage in case your car is totaled in an accident. Contact the insurance professionals at All Nevada Insurance, for all of your auto insurance policy needs throughout Nevada.

Unplug to Save Money

Posted on by TheSph3r3

While it may be easy to simply leave your chargers in the wall when you are not using it, or when your phone or computer is fully charged, it may actually be costing you money. Unplugging your unused chargers can help to ensure that you do not get a surprise on your next energy bill. Keep these tips in mind to help you stay unplugged while you are not using your chargers.

  • Unplug any devices that are rarely used. If you have an extra TV that you keep in the guest room, or an old desktop computer that does not get much use, unplug them until the next time you need to use them.
  • Invest in power strips. A power strip will allow you to control the flow of the power. Being able to control the power means that you will be able to turn off many appliances all at once so that they are not using any electricity while you are not home, or not using the appliances. Consider connecting the power strips to a light switch so that you remember to turn off all the appliances when you leave home.
  • Use sleep modes. Instead of leaving computers and video game consoles paused for long periods of time, set your game console or computer to sleep mode. Just this one simple step can help you save more than $100 each year on your electric bill.
  • Consider upgrades. If you are buying new appliances, make sure to look for models that have an Energy Star rating. These will have a lower standby consumption of electricity and use less electricity in all of their functions.

Contact the insurance experts at All Nevada Insurance for all of your insurance coverage needs. We can help to ensure that each of your insurance policies throughout Nevada are providing you with the best protection.

Special Water Restrictions for Las Vegas

Posted on by TheSph3r3

With the scorching hot temperatures of summer, it can be tempting to cool down in your front yard with your hose. While it may seem refreshing, it can also lead to wasting water. In the current drought that the area is experiencing, it is important to make sure that you follow all of the Las Vegas water laws to ensure you are doing you part to help save money. Keep these water restrictions in mind to make sure that you are doing your part to help save water.

  • Landscape watering is completely prohibited in the hours of 11 a.m. until 7 p.m. from May 1st until October 1st.
  • You are allowed to water with a handheld hose, or test your irrigation system with supervision at any time. You are also allowed to water a reseeded or new landscape daily for up to 30 days, once a year.
  • New water restrictions also apply to drip irrigations. Many experts agree that running your drip irrigation less frequently can also help to benefit plants.
  • You must follow your assigned watering groups. You will receive a water waste fee if you use irrigation on days other than the ones that you are assigned.
  • Use the cycle and soak method of sprinkler watering on your assigned watering days to help keep your lawn healthy. This method requires you to water in three different 4 minute cycles. If you are using pop up sprinklers, wait an hour between each cycle. If you are using rotating sprinkler heads, wait about 12 minutes between each cycle.

For all of your insurance coverage needs throughout Nevada, contact All Nevada Insurance. We can help to ensure that you have the best insurance policy for your home, auto, and business to make sure that you are protected in any unfortunate situation.

Everything to Know About Opening a Business in Las Vegas

Posted on by TheSph3r3

Las Vegas is one of the best places to start a small business. With affordable services, competitive real estate prices, low taxes, and a ready workforce, there are many advantages to starting a business in Las Vegas. In fact, the whole state of Nevada is ranked as second state in the nation that encourages small businesses. When you are looking into starting your own small business, make sure that you take the following steps to make your business legal and profitable.

  • Employer Identification Number – you must apply for an Employer Identification Number (EIN), or Federal Tax Identification Number, before you apply for your formal business license. It is free to get an EIN, which works like a Social Security number for your business.
  • State business license – you must get a Nevada state business license or a Notice of Exemption before you are able to get a City of Las Vegas business license. There is a $200 fee for to obtain a state business license.
  • Tax permit – you will need to register with the Nevada Department of Taxation after you complete the state business license requirements before you are allowed to start operations.
  • Local business license – any businesses that open in Las Vegas, or do business within the city limits are required to get a local business license. If you are also doing business in surrounding areas, make sure to check with the specific city to see if you need to obtain a local business license in those areas as well. There are two different types of local business licenses that are available in Las Vegas depending on your business. A general license is for any business that offers general, professional, or sales services. A privilege license is meant for any business that may affect the social, economic, and moral well-being of the community and requires a background check.

For all of your business insurance coverage throughout Nevada, contact All Nevada Insurance. We can help you find the best policy to ensure that your small business is covered in any situation.

Staying Safe on the Road as a Senior

Posted on by TheSph3r3

More senior citizens than ever are staying on the road later in life. While there may not be any safety issues with baby boomers keeping their licenses longer, it is important to make sure that they are staying as safe as possible while behind the wheel. Enrolling in driving refresher course can help seniors feel confident when they are driving, as well as leading to lower insurance premiums, helping them save some money on a tight budget.

Most older drivers have lower auto insurance premiums since they are more experienced drivers and typically have good driving records. However, after 75, fatal car crash rates start to increase, and they significantly increase after the age or 80. Many of these fatality rates are due to physical fragility, which makes senior citizens more susceptible to having fatal injuries after a crash. There are also many other factors that can contribute to car crashes, including delayed reaction times, decreased vision, serious medical conditions, and decreased cognitive abilities. Although all of these issues can be problematic for people of all ages, they are especially common in people over the age of 65.

There are many driving refresher courses that are available, with the largest one being offered by AARP, called the Driver Safety Program. The course is only offered to people who are 50 years old and older, and can be taken online or in a classroom. The course helps to refresh a person’s knowledge of traffic rules, as well as teaching defensive driving techniques. It also offers seniors information about the dangers of driving while taking certain medications.

For all of your auto insurance needs throughout Nevada, contact All Nevada Insurance. Our experienced insurance agents can help to ensure that you receive the most comprehensive coverage to protect you in any unfortunate situation while on the road.

Staying Safe This Labor Day

Posted on by TheSph3r3

With Labor Day just around the corner, it is time to start planning for the unofficial last holiday of summer. While planning an exciting event that will be fun for the whole family, it is important to make sure to keep safety in mind. Make sure to consider these Labor Day safety tips to ensure everyone has a safe and fun holiday weekend.

Heat waves

  • The temperatures on Labor Day can easily reach into the triple digits in the area. Make sure that you drink plenty of water throughout the day. Also make sure to wear sunscreen and protect yourself with sunglasses and hats.

Designate a driver

  • Never drink and drive. If you will be celebrating the holiday with alcoholic beverages, make sure to designate a sober driver, or use public transportation. Also make sure that you do not get into a car with anybody that has been drinking.

Swimming

  • Getting in the water, whether it is a pool or a lake is a great way to stay cool this Labor Day. Make sure to never swim alone and that children are always supervised when around water. Anyone that does not have strong swimming abilities should always wear a life jacket when they are in or around the water.

Food

  • If you are grilling this holiday, make sure to keep cold food cold and hot food hot to avoid any food borne illnesses. Also make sure to clean any utensils that came into contact with raw meat before so that they do not spread any diseases, such as salmonella.

To make sure that you and your family are protected from any unfortunate situation during the festivities, contact the insurance professionals at All Nevada Insurance. We can provide you with the most comprehensive coverage for all of your insurance policies throughout Nevada, all at the right price.

Candlelighters Childhood Cancer Foundation of Nevada’s SHINE for A Superhero 5k & 1 Mile Race

Posted on by TheSph3r3

All Nevada Insurance is once again a proud sponsor for Candlelighters Childhood Cancer Foundation of Nevada’s SHINE for A Superhero 5k & 1 Mile Race on Saturday, September 13th at Mountain’s Edge Exploration Park.  For more information, please click on the link listed below.

 

Candlelighters Childhood Cancer Foundation of Nevada » SHINE For A Superhero 5K & 1 Mile Race with Chet BuchananShine-for-a-Superhero-JPEG

Make sure to Sign up for the SHINE for A Superhero 5K & 1 Mile Race!

Posted on by TheSph3r3

Once again, All Nevada Insurance is proud to be a sponsor for Candlelighters Childhood Cancer Foundation of Nevada’s SHINE for A Superhero 5k and 1 Mile Race on Saturday, September 13th. The event will take place at Mountain’s Edge Exploration Park in Las Vegas.

The event will start with opening ceremonies at 7:30 a.m. and then the 5k Superhero Timed Run Starts at 8 a.m. After the timed run, there is a 5k Superhero Walk of 1 mile that starts at 8:15 a.m. Make sure to dress up as your favorite superhero for the run! All of the proceeds from the run will benefit children and families of the children who have been diagnosed with or survived cancer.

Candlelighters Childhood Cancer Foundation of Nevada is a non-profit agency that provides services and support for families that have children that have been diagnosed with cancer. Any child who is up to 21 years old and have been diagnosed with cancer, or those who have survived cancer, are eligible to benefit from Candlelight’s services as long as they are being treated in or living in Nevada. Candlelighters main goal is to help lessen the feeling of isolation that many children and families feel once they are diagnosed with cancer. They are there to offer care, love, understanding, and encouragement to ensure that nobody is left feeling alone. All of the services and programs of Candlelighters are given at absolutely no cost to the family. All of the donors from the Superhero Run will be able to have the satisfaction of knowing that their donations will be directly helping families and children in need.

For more information about the race, click here. You can also contact All Nevada Insurance for more information or to find out how to make a donation.

Shine for a Superhero JPEG

Rights of Passengers in a Car Accident

Posted on by TheSph3r3

Being in an auto accident can be a very scary time for anyone. It can be especially scary for passengers, since they have no control over the car. As a passenger, you also do not know how much insurance coverage the driver has, and if it will cover any injuries you sustained. In Las Vegas, passengers do have the right to compensation in a car accident to ensure they are protected.

Passengers have the right to seek payment for injuries, pain and suffering, and any expenses related to the accident, such as lost wages. In order to receive compensation, you must know who is at fault for the accident. If the accident is between one vehicle and another object, such as a tree, then that person is at fault for the accident, and the injury claim will be made to their insurance company.

In Nevada, in order to be at fault for an accident, a person must be found at least 51 percent responsible. After finding out who is at fault, most compensation claims will automatically be taken care of by the insurance company, but there are some instances that a lawsuit against the at-fault driver may be necessary.

If more than one passenger is injured in an accident, all of them would have to file for a claim against the negligent driver. If the total of the case is greater than what the insurance policy will cover, each person will have to settle with the insurance company for less than what their case is worth.

For all of your auto insurance coverage needs in Las Vegas and the surrounding areas, contact All Nevada Insurance. We strive to provide the most comprehensive auto insurance to fit all of our client’s needs, all at the right price.