Las Vegas Accident Lawyer - Insurance Attorney

Las Vegas Accident Lawyer - Insurance Attorney

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As a Las Vegas accident lawyer, clients will ask me, "I'm coming in to meet with you, what should I bring with me?" I tell clients to bring everything with them that they think might be related to the case. If you've been in a car accident bring copies of any photographs you've taken with a camera or your cell phone (those can usually be uploaded or emailed). Bring anything you got from the police (if the police were called to the scene), or if you went and filled out a report, bring that report. If you got the little ticket stub that you get from the police officer (with the event number) bring that, because if we can get that event number we can get the police report. If you've already taken your vehicle in for repair, bring copies of any appraisals or damage estimates with you. Also, if you wrote down any notes either at the scene or when you got home, bring those. Those can sometimes be very helpful. Simply stated, bring everything with you that you think might be related to the case. It's better to have more information than not enough.

Lastly, I tell all my clients, "Write down any question that you might have for our meeting, and we'll go through them one at a time." That way you're not going to leave the office thinking, "Oh shoot, I forgot to ask two or three things." You'll know that every one of your questions has been answered.

One of the things I'm often asked by clients, or people in general, is, "How much insurance should I have? What are the Las Vegas car insurance laws?" That has actually been set by statute. In order to drive legally in Nevada, you have to have at least $15,000 per person in liability coverage. It's funny, that limit was set back in 1958, when the dollar went a lot further than it does now. I encourage all my clients, and everyone I talk to, to get higher limits. It doesn't cost much more; usually just a few dollars more per month can dramatically increase your liability coverage. The other thing that you need to remember, though, is we're having a severe economic crisis in this country, and Nevada has been hit particularly hard. Conservative estimates are that 1 in 6 drivers don't even have car insurance right now. That means that if you're hit by somebody and you're hurt and they don't have coverage, typically they don't have any assets, so you're not going to be able to get any money from that person or that person's insurance company, because it doesn't exist, and you're going to be on the hook for all your medical bills and all your problems, and the cost of your vehicle.

So I encourage all of my clients to get what's called "Uninsured Motorist Protection". Simply stated, that just means that if I get hit by somebody that doesn't have insurance, my insurance company is going to step in and cover it as if they insure that other person. Uninsured motorist carries another benefit: If I'm hit by somebody that has insurance but doesn't have much, and it isn't enough to cover all my harms and my losses, I can turn to my uninsured carrier, and they supplement the insurance the other driver has. It becomes under-insured coverage. I encourage everyone to talk to their insurance agent, and he or she will answer all those questions in more detail, but uninsured motorist is definitely something everybody should have.

One of the biggest decisions people make in making a personal injury claim in Las Vegas is what attorney to hire to help them through the process. Advice I could give people who are considering hiring a personal injury attorney is, first and foremost, if you go to meet with an attorney regarding a personal injury claim, and during that initial meeting you never speak to an attorney, but rather an assistant or a paralegal; that's probably a very good indication that you're not in the right place. An attorney handling personal injury cases should always meet with their client. This is for several reasons: 1- The client and the attorney need to build a report from the beginning. 2- For an attorney to be able to properly represent a client, he needs to know that client, know what that client is going through, how their injuries have impacted their life, and in order to help them he needs that information. Also, a client needs to know that an attorney is invested in handling the claim themselves. If an attorney's not at that initial meeting, there's a good chance that an attorney may never look at that file, or very seldom look at that file.

Beyond that, it's very important that an attorney specialize in handling personal injury cases. There was a time, long ago, where most attorneys were general practitioners, and handled all types of claims. Since that time the law has become very complicated, and that is inclusive of personal injury work. Make sure you meet with an attorney when you first show up at your appointment, and also, that you are meeting with somebody that specializes in handling personal injury cases, so that you're assured the opportunity for the best representation.

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