Rights of Passengers in a Car Accident

Posted on August 20, 2014 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.

Safety Tips for Motorcycles

Posted on August 15, 2014 by TheSph3r3

Riding a motorcycle allows for more freedom than driving down the road in an enclosed car. It allows you to experience the beauty of the landscape, while still getting to your intended destination. While enjoying your motorcycle this summer, make sure to keep these safety tips in mind.

Dress to impress. Wearing the right safety gear can help save your life if you are involved in an accident while riding your motorcycle. Make sure to wear a helmet that is approved by the Department of Transportation, gloves, closed toed boots, and thick pants.
Know your limits. Be smart when driving your motorcycle and do not drive in any conditions that require a higher skill level.
Watch the weather. Two wheels on a motorcycle are not as stable as the four wheels on a car. Check the weather before heading out to make sure they are not too bad to ride in.
Take care of your bike. Check the oil and tires before going out for a long ride to ensure your bike is running its best.
Never use the front break first. Always use the back break first, and only utilize the font break in an emergency situation. Using the front break at a high speed can easily cause you to fly over the handlebars.
Look where you want to go. Your bike will follow where you are looking. Make sure to always look ahead where you want to go to avoid an accident.

Most importantly, make sure you have the right motorcycle insurance to protect you and your bike in any situation. Contact All Nevada Insurance for all of your insurance coverage needs in Las Vegas and surrounding areas. We have been in business for over 70 years and strive to provide the most comprehensive insurance plans to all of our clients to best fit their lifestyle, all at the right price.

Tickets Are Now on Sale for Round 5: Knockout Cancer for Candlelighters Kids!

Posted on August 11, 2014 by TheSph3r3

We are excited to announce that tickets are now on sale for our annual unarmed combat charity event; Round 5: Knockout Cancer for Candlelighters Kids, on Friday, October 3rd at the Texas Station.

You can purchase tickets through www.candlelightersnv.org, call 1-800-745-3000, or at any Station Casino. We are planning quite a show. We will have various forms of fighting on display such as; MMA, Kickboxing, Boxing and Jiu Jitsu. Please remember all proceeds go directly to Candlelighters Childhood Cancer Foundation of Nevada to help children battle this awful disease.

Thank you all for your continued support for this special and important event!

Course and Scope for Worker’s Compensation

Posted on August 11, 2014 by TheSph3r3

Every state in the United States requires businesses to carry a worker’s compensation insurance policy. Worker’s compensation can protect both the business and employees in case of an accident that happens while on the job.

Worker’s compensation insurance will provide coverage for many different situations, including:

Medical expenses that are related to the injury.
Lost income or wages during the recovery time of an accident.
Rehabilitation costs for the injury that is sustained while at work.
Survivor death benefits if the employee were to die due to an accident at work.

Not every injury while on the job qualifies for a worker’s compensation claim. There are certain course and scope rules that the injury has to arise of out in order to qualify. These rules are:

The employee was injured while engaging in an activity the benefits the employer.
The injury occurred while onsite of the employer’s location, or a location that was reasonably expected or mandated by the employer.
The cause of the injury was related to the work that is done by the employee of a certain occupation.

While there are many situations that fall under these three rules, there are also more details to look at to determine how much coverage an employee will receive. If the employee was under the influence of drugs or alcohol when an injury occurred, even if it met all three rules, the coverage may be lowered or even denied completely. Each claim has to be properly researched to ensure it meets all of the requirements of a worker’s compensation claim.

For all of your worker’s compensation needs in Las Vegas and the surrounding areas, contact All Nevada Insurance. We have over 70 years insurance experience and can help provide the most comprehensive insurance coverage for any business.

Beyond General Liability

Posted on August 5, 2014 by TheSph3r3

While general liability insurance provides protection for a business against most situations, it is usually not enough. There are many coverage options that come with a general liability insurance policy including:

Bodily injury – will provide coverage for the medical costs that are associated with a person’s injury, including medical bills.
Property damage – will provide coverage for the physical damage of another person’s property, or the loss of use of property.
Products liability – will provide coverage for your business against any lawsuits that are associated with a product related injury or accident.
Products-completed operations – will provide protection from damages and legal expenses if an injury is resulted from a service your company provided, or something that they made.

There are many other liability insurance options to choose from to ensure your business is protected in any situation, including:

Pollution liability – will provide protection relating to claims involving the release or exposure to pollutants, whether it is on company property.
Cyber liability and data breach – will provide coverage for both 1^st and 3^rd party expenses that are related to the costs of notifying customers of a data breach, lawsuits, and other issues associated with a cyber-attack.
Employment practices liability – will protect a business from expenses related to employee allegations of improper firing, hiring, harassment, or discrimination.
Worker’s compensation – provides coverage for employee injuries and disease that is required by law in the United States.
Professional liability – provides coverage for claims that are the result of defective plans, work, designs, or services.

For all of your business insurance needs in Las Vegas and surrounding areas to ensure your business has the proper coverage for any situation, contact All Nevada Insurance. We have over 70 years insurance experience and strive to provide the most comprehensive insurance policies to fit the lifestyles of our clients.

Reasons for Increasing Auto Insurance Rates

Posted on July 31, 2014 by TheSph3r3

Las Vegas is well known for its high auto insurance rates. While not all of Nevada has high rates, Las Vegas is usually ranked as the in the top 25 highest priced areas. There are many factors that lead to the high prices of auto insurance in the city, including:

Vehicle values and repair costs. The cost for labor and parts to repair a vehicle has risen with the inflation of the economy, which makes them much more expensive to repair.
Fixed insurer expenses. All insurance companies have set operating expenses, including utilities, payroll, and office expenses. They cover these rising costs by raising insurance rates.
Regional claim results. Rates for insurance policies increase regionally based on the overall amount of claims in the area, so the more accidents there are in an area, the higher the rates.
Changes in rating factors. There are many factors that will affect the cost of your rates, including your credit score and educational factors. While these factors change, so does your insurance rate.
Medical bills. Injury claims are usually the most expensive aspect of an accident, and the amount it costs to settle them each year dramatically increases.
If you start driving more miles. The more miles you drive, the more likely you are to be involved in an accident, which raises the amount of your auto insurance.
You turn 50. While you may think that turning 50 means that you are a more experienced driver so your insurance rates would be lower, the opposite is true. The older your get, the more likely you are to get into an accident, raising your insurance rates.

For all of your auto insurance coverage needs in the Las Vegas area, contact All Nevada Insurance. We have over 70 years insurance experience, and strive to provide our customers with the best insurance protection.

Las Vegas Food and Wine Festival

Posted on July 28, 2014 by TheSph3r3

Vegas is widely known for its world-class restaurants and chefs, making it the perfect location for the Wine and Food Festival. The festival is being held on September 5^th and 6^th and the Red Rock Casino, so make sure to mark your calendars. The fun and exciting two day event offers every extravagance you want out of a food and wine festival, all within your reach.

The festival will offer the finest cuisine and spirits that Las Vegas has to offer. As a celebration of the senses, there will be plenty of delicious food by some of the locally renowned celebrity chefs. There will also be sensational spirits to taste, all against the beautiful backdrop of the Red Rock Casino.

The Wine and Food Festival is the perfect location to taste some of the most delicious wines from around the world, while enjoying decadent food from some of the finest chefs in the world. With many food choices to please any palate, everyone is sure to love every dish that they try, and be sure to go back for more.

Last year’s festival sold out in two weeks, so make sure to get your tickets for the spectacular event before they are gone. General admission tickets for one day of the event start at $75, with VIP tickets available for $100. There are also VIP cabanas available both days of the event, for $1,500 a day.

All proceeds from the event will be donated to a charity in the area.

All Nevada Insurance would like to invite you to the Wine and Food Festival, and remind you to contact us with all of your insurance needs throughout Nevada. We have over 70 years insurance experience and we are dedicated to ensuring our clients have the most comprehensive insurance coverage that fits into their specific lifestyle.

Water Conservation Tips

Posted on July 25, 2014 by TheSph3r3

Las Vegas and the surrounding areas are suffering the effects of the long drought. The drought is expected to deplete the water levels in Lake Mead to levels not seen since the completion of the Hoover Dam. The lake is under 1,082 feet, which was the record for the lowest level in 2010, and expected to drop even further.

You can do your part to help save water in the drought by following these simple tips.

Avoid over-watering. The desert soil is not able to absorb large amounts of water, so practice the cycle and soak method of watering. This means setting sprinklers to water your grass 3 times a day, for 4 minutes at a time, with one hour in between each watering cycle.
Fix any over spray problems. Make sure to turn your sprinklers on after mowing your lawn to ensure that none of the sprinkler heads were moved to spray in the wrong direction, wasting water.
Look for leaks. Look for areas of your yard that are more green or wetter than the other parts, which usually indicates a leak. Make sure to fix any leaks as soon as they are found.
Upgrade your appliances. Replace all of your old appliances, such as dishwashers and clothes washers, with new, water saving models. Many areas also offer rebates for buying water saving appliances.
Turn off the faucet. Simply turning off the faucet while you brush your teeth or shave can save up to 10 gallons of water a day.

For all of your insurance policy coverage needs in Nevada, contact All Nevada Insurance. . We have over 70 years insurance experience and strive to provide all of our customers with the most comprehensive insurance policies to best fit their lifestyle, all at the right price.

What to do if Your Car is Overheating

Posted on July 23, 2014 by TheSph3r3

Driving in the hot summer weather makes your car more susceptible to overheating. While you cannot avoid driving in the summer, it is important to know what to do in case your car starts to overheat. Follow these tips this summer if your notice your car is starting to overheat.

Pull over. As soon as you see your temperature gauge start to move to the hot side, pull over as soon as you can. If you notice smoke coming from the hood, stop immediately.
Open the hood. Opening the hood of your vehicle will allow all of the heat to disperse faster than if you keep the hood closed.
Wait for the radiator cap to cool. Opening the radiator cap while it is hot can lead to steam and extremely hot radiator fluid causing severe burns.
Check the reservoir tank. Check to see if there is the proper amount of coolant in your car. If you need to add more, only add enough to fill it up to the highest mark. While it is best to add coolant, you can add water if you do not have any coolant.
Look for leaks. Check the core plugs in the engine block, and radiator for any signs of leakage. If you are unsure what to look for, make sure to take your vehicle to a mechanic.
Determine if the car is safe to drive. If the cause of the overheating was just because the coolant was low, as soon as you add more, you can drive your car. If there was no coolant, do not drive the car since you can easily cause severe damage to the vehicle.

Most importantly, make sure you have the proper auto insurance from All Nevada Insurance to protect you and your vehicle from any situation.

Fun August Events in Las Vegas

Posted on July 18, 2014 by TheSph3r3

With August just around the corner, it is a good time to start planning for all the fun and exciting events that are going on next month. Make sure to check out these events in August.

Dave and Mohoney’s Beer Bash and Food Truck Fest. On Saturday, August 4^th, the 2^nd annual Beer Bash and Food Truck Fest will take place at the South Point Hotel and Casino. The event will be centered on the pool and will feature Patron margaritas, DJs and gourmet food trucks from both Vegas and California.
Movie Madness in North Vegas. Free movies will begin at dusk twice in August. The Muppets will be shown on August 10^th, and Puss N Boots will be shown on August 31^st. Vendors will be onsite starting at 6:30 p.m.
Rock of Vegas Free Summer Concert Series. The theme of the concert series this year is 80’s hair metal gods and will feature Bret Michaels on August 4^th, and Survivor on August 18^th.
Botanical Gardens Tour at Lake Las Vegas. Each Saturday of the month, join in one of the tours of the botanical gardens in Henderson starting at 9 a.m.
Jazz on the Lake. Free Saturday night concerts on Lake Las Vegas will feature local and regional jazz artists. The shows will start on August 4^th with Rick Arroyo, and run through August 25^th.
Pet Adoptions by the Animal Foundation. If you are looking for a new furry friend, visit the Tivoli Village on the last Saturday of August from 11 a.m. until 2 p.m.
Wine and Music for Miracles. On Thursday, August 9^th, the Wine and Music for Miracles will be held at UNLV’s Richard Tam Alumni Center from 6:30 p.m. to 8:30 p.m. This is a charity event that benefits Miracle Flights for Kids and will feature live music, hors d’oeuvres, wine, and cocktail.

All Nevada Insurance invites you to check out all of these fun events this August and contact them with all of your insurance needs.

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