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	<title>Vegas Personal Injury Law Blog &#187; insurance</title>
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	<link>http://vegaspersonalinjurylawblog.com/blog</link>
	<description>The Legal Blog (Blawg) of Allen A. Cap, Esq.</description>
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		<item>
		<title>Hot Coffee and Tort &#8220;Reform&#8221;</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2011/11/hot-coffee-and-tort-reform/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=hot-coffee-and-tort-reform</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2011/11/hot-coffee-and-tort-reform/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 16:00:29 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[civil justice system]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[pain and suffering]]></category>
		<category><![CDATA[personal injury]]></category>
		<category><![CDATA[tort reform]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=186</guid>
		<description><![CDATA[A few weeks ago, I was preparing jury voir dire questions for a short trial. Some of the questions that I prepared involved various issues of tort &#8220;reform&#8221; and other items currently in the media that dealt with negative events involving personal injury lawyers. One area that always has to be covered is the McDonald’s [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2011/11/hot-coffee-and-tort-reform/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What is the Difference Between  Occurrence and Claims-made Insurance Policies?</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2010/05/what-is-the-difference-between-occurrence-and-claims-made-insurance-policies/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-is-the-difference-between-occurrence-and-claims-made-insurance-policies</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2010/05/what-is-the-difference-between-occurrence-and-claims-made-insurance-policies/#comments</comments>
		<pubDate>Mon, 24 May 2010 16:00:38 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[claims-made policy]]></category>
		<category><![CDATA[coverage]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability coverage]]></category>
		<category><![CDATA[occurence coverage]]></category>
		<category><![CDATA[personal injury]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=113</guid>
		<description><![CDATA[Recently, I received a telephone call from a woman who was involved in an accident in her boyfriend’s garage. Her boyfriend had recently purchased a new home.  The girlfriend lived with the boyfriend about 75% of the time.  While the boyfriend was hospitalized, the girlfriend went into the garage to put some kitchen appliances in [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2010/05/what-is-the-difference-between-occurrence-and-claims-made-insurance-policies/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What is an &#8220;At-Fault Accident, and How Does it Affect Your Insurance Rates?</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2010/05/what-is-an-at-fault-accident-and-how-does-it-affect-your-insurance-rates/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-is-an-at-fault-accident-and-how-does-it-affect-your-insurance-rates</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2010/05/what-is-an-at-fault-accident-and-how-does-it-affect-your-insurance-rates/#comments</comments>
		<pubDate>Mon, 03 May 2010 16:00:21 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[claim evaluation]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[liability coverage]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=107</guid>
		<description><![CDATA[Recently, I have had a number clients who have been involved in auto accidents where they have been partially at fault for an accident and have not been treated fairly by their own insurance company. NRS 687B.385 states: “An insurer shall not cancel, refuse to renew, or increase the premium for renewal of a policy [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2010/05/what-is-an-at-fault-accident-and-how-does-it-affect-your-insurance-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Addendum to Use of Medicare and Medicaid Liens in Personal Injury Cases</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2009/08/addendum-to-use-of-medicare-and-medicaid-liens-in-personal-injury-cases/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=addendum-to-use-of-medicare-and-medicaid-liens-in-personal-injury-cases</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2009/08/addendum-to-use-of-medicare-and-medicaid-liens-in-personal-injury-cases/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 16:01:23 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[personal injury]]></category>
		<category><![CDATA[personal injury attorney]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=85</guid>
		<description><![CDATA[Beginning July 1, 2009, Medicare Secondary Payor requires insurers to report any settlement, judgment or award to Medicare. Failure to report any settlement, judgment or award will result in a $1,000.00 per day penalty to the insurance company. Medicare Secondary Payor can sue for double damages, plus interest. The suit can be initiated against the [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2009/08/addendum-to-use-of-medicare-and-medicaid-liens-in-personal-injury-cases/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What To Do if You Are Invoved in an Automobile Accident</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2009/06/what-to-do-if-you-are-invoved-in-an-automobile-accident/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-to-do-if-you-are-invoved-in-an-automobile-accident</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2009/06/what-to-do-if-you-are-invoved-in-an-automobile-accident/#comments</comments>
		<pubDate>Mon, 08 Jun 2009 16:00:18 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[collision]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[pain and suffering]]></category>
		<category><![CDATA[personal injury]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=72</guid>
		<description><![CDATA[It is very difficult to be in a rational state of mind following a motor vehicle accident. The first question that may come into your mind following an auto accident is, “Do I have to stop”? The law says that you must stop after an accident. It doesn’t matter if the auto accident involves a [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2009/06/what-to-do-if-you-are-invoved-in-an-automobile-accident/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>How Can A Physician&#8217;s Office Assist Claimants Attorneys On Personal Injury Cases?</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2009/02/how-can-a-physicians-office-assist-claimants-attorneys-on-personal-injury-cases/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-can-a-physicians-office-assist-claimants-attorneys-on-personal-injury-cases</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2009/02/how-can-a-physicians-office-assist-claimants-attorneys-on-personal-injury-cases/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 22:16:07 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[claim evaluation]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[pain and suffering]]></category>
		<category><![CDATA[personal injury]]></category>
		<category><![CDATA[Physicians]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=38</guid>
		<description><![CDATA[In my 25 years of experience as a personal injury attorney, I have dealt with many of the healthcare facilities in the Las Vegas area, who treat patients that have been involved in accident cases.   Some physicians that deal with personal injury cases on a regular basis are aware of the following office procedures [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2009/02/how-can-a-physicians-office-assist-claimants-attorneys-on-personal-injury-cases/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How Does An Attorney Report A Medicare Liability Claim?</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2009/02/how-does-an-attorney-report-a-medicare-liability-claim/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-does-an-attorney-report-a-medicare-liability-claim</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2009/02/how-does-an-attorney-report-a-medicare-liability-claim/#comments</comments>
		<pubDate>Sun, 15 Feb 2009 16:00:51 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=94</guid>
		<description><![CDATA[If you wait until you have settlement to report a Medicare Liability Claim, you will undoubtedly experience frustration. The thing to do is to report the Medicare Liability Claim as soon as it comes into your office.  Start the process immediately.  This is true, even if Medicare pays no medical bills on a liability claim. [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2009/02/how-does-an-attorney-report-a-medicare-liability-claim/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>When Automobile Insurance Doesn&#8217;t Work</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2009/02/when-automobile-insurance-doesnt-work/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-automobile-insurance-doesnt-work</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2009/02/when-automobile-insurance-doesnt-work/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 16:06:41 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[collision]]></category>
		<category><![CDATA[coverage]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[liability coverage]]></category>
		<category><![CDATA[personal injury]]></category>
		<category><![CDATA[UIM]]></category>
		<category><![CDATA[UM]]></category>
		<category><![CDATA[UM/UIM]]></category>
		<category><![CDATA[underinsured]]></category>
		<category><![CDATA[uninsured]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=31</guid>
		<description><![CDATA[Are there automobile accidents where auto insurance coverages do not apply?  The answer to that question is, unfortunately, yes. On December 30, 2004, a young man was driving his pickup truck westbound on Hacienda.  The adverse driver, prior to the accident, was driving his pickup truck northbound in the southbound lanes on Rainbow (on the [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2009/02/when-automobile-insurance-doesnt-work/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>USE OF MEDICARE AND MEDICAID ON AUTO ACCIDENT CLAIMS</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2008/09/use-of-medicare-and-medicaid-on-auto-accident-claims/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=use-of-medicare-and-medicaid-on-auto-accident-claims</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2008/09/use-of-medicare-and-medicaid-on-auto-accident-claims/#comments</comments>
		<pubDate>Mon, 01 Sep 2008 15:00:00 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[auto accidents]]></category>
		<category><![CDATA[bodily injury]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Medicaid]]></category>
		<category><![CDATA[Medicare]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=14</guid>
		<description><![CDATA[Auto accident clients who have never dealt with the government programs involving Medicare and Medicaid have the mistaken impression that the liens asserted by these two entities can be easily resolved. If you have ever dealt with these two government entities, you know that resolution of Medicare and Medicaid liens can be very time consuming. [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2008/09/use-of-medicare-and-medicaid-on-auto-accident-claims/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Umbrella Insurance Policies</title>
		<link>http://vegaspersonalinjurylawblog.com/blog/2008/08/umbrella-insurance-policies/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=umbrella-insurance-policies</link>
		<comments>http://vegaspersonalinjurylawblog.com/blog/2008/08/umbrella-insurance-policies/#comments</comments>
		<pubDate>Mon, 04 Aug 2008 15:00:00 +0000</pubDate>
		<dc:creator>Allen A Cap Esq</dc:creator>
				<category><![CDATA[coverage]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability coverage]]></category>
		<category><![CDATA[umbrella policy]]></category>

		<guid isPermaLink="false">http://vegaspersonalinjurylawblog.com/blog/?p=13</guid>
		<description><![CDATA[In my prior Blawgs, I mentioned that one of the purposes of auto insurance is to protect your assets. In the event that your liability limits are exhausted on your auto policy, your umbrella insurance policy takes over and provides you with additional protection. An umbrella insurance policy can also provide extra liability protection on [...]]]></description>
		<wfw:commentRss>http://vegaspersonalinjurylawblog.com/blog/2008/08/umbrella-insurance-policies/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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