A cursory review of the daily courthouse filings will tell you that the most common type of court case involves personal injuries suffered in a motor vehicle accident. These cases represent only a small percentage of the total number of injury and property damage claims for auto accidents because most of them are settled without litigation. In nearly all such cases, significant issues exist involving the types and amount of applicable insurance coverage.
The most important insurance question for both the driver who is allegedly at fault and the injured person is what is the amount of liability insurance coverage, if any, for the negligent party. The minimum liability insurance limits required by law are $15,000 per injured person and $30,000 per accident. Anyone with any significant assets will want higher limits and possibly a personal liability umbrella policy of up to $2 million.
Injury cases can often be complicated by the assertion of subrogation liens by health insurance companies, workmen’s compensation insurers or Medicare. Nearly all such insurance policies provide that the insurance company is entitled to reimbursement from the proceeds of any settlement or verdict against a negligent third party. However, there are various statutes, as well as expressions of public policy in decisions of the Nevada Supreme Court which place limits on those liens. An experienced attorney can help an injured person navigate through the swamp of legal complexity in these cases.
Bruce L. Woodbury is an attorney with the law firm of Jolley Urga Wirth Woodbury & Standish. The firm has offices in Boulder City and Las Vegas. To contact Bruce, call him at 293-3674 or 699-7500, or visit his website at www.juwws.com.