Month: September 2014

What are my rights as a passenger in a car that has been in an accident?

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When you’re a passenger in a car that is in an accident, it’s natural to feel helpless. You have no control over the car, you can’t avoid the accident, and you often have no idea what kind of insurance coverage the other driver or even the owner of the car has. While there are things you have no control over, it’s good to know that in Las Vegas, NV, you do have the right to compensation as a passenger in a car accident.

The key to getting compensated after an accident is to know who is at fault, so that you can pursue compensation with them. In order to sue someone for compensation in this state, they must be found to be at least 51 percent at fault in the accident. Passengers who are victims of a car accident have the right to seek restitution for damages to their vehicle, injuries, pain and suffering, and their expenses related to the accident, such as lost wages. Sometimes these things will be settled almost automatically by the insurance companies, but other times it may be necessary to file a lawsuit against the at-fault driver. This can especially be problematic if the at-fault driver is a friend or family member who happened to be driving the car that the passenger was in. Passengers in Nevada who are in an accident even have the right to sue multiple parties, as long as they are all found to be at least 51 percent at fault.

After a car accident is not the time to learn how insurance works and what the limitations are. You should talk to an agent now to make sure that you, and the fiends you ride with, have enough insurance to keep you safe. As your independent agent in Las Vegas, you should come to us immediately with any questions you may have about car insurance, or visit our website for the chance to compare quotes on auto insurance today.

How can I save money on my business owners insurance?

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Las Vegas, NV is known as the ultimate tourist destination, the type of place that you have to visit at least once in a lifetime. It is also a land of excellent opportunity when it comes to small business owners. You have a great deal of tourist and local traffic moving in and out, but with the cost of living you may be concerned about how to cut costs when it comes to your business owners insurance.

One of the easiest ways to cut down on your business owners insurance is to see whether your insurance provider has multi-policy discounts. If you bundle together multiple policies for your business under the same company, you often get a sizeable discount. Since you often need many types of policies under a business owners insurance umbrella, you probably already have multiple policies scattered about.

Another area where you may be able to cut costs is using the latest equipment and technology within your building. New technology has greater safety features than older, outdated equipment, making your work environment safer and reducing the cost of claims that come the insurance company’s way. The insurance company may offer specific reductions if you adhere to optional safety standards for the workplace.

Security measures also help cut down on insurance costs, as well as saving you the stress of dealing with lost inventory, theft, and damages. Some security measures to consider include heavy duty firewalls for your computer networks, biometric access to sensitive areas of the building, and keycard controlled front doors that limit access to employees who have the proper permissions to be in that area.