Has Your Vehicle Been Declared a Total Loss? Here’s Why…

Auto accidents that cause extensive damage to your vehicle may be considered a total loss. If you have auto coverage and the accident was your fault, you may receive compensation for the loss of your vehicle. If you were not at fault, the other party’s insurance is responsible for paying for your vehicle. There are several things you should know about vehicles that are declared a total loss.

What Is a Total Loss?

Most vehicles are considered a total loss when the cost to return the vehicle to its pre-loss condition exceeds the value of the vehicle. The structural integrity and the overall condition of the vehicle are taken into consideration before declaring it a total loss.

How Much Will I Get for a Total Loss?

If your vehicle has been declared a total loss, many insurances’ will pay the actual cash value (ACV) or market value of the vehicle based on its age, mileage, features, and pre-loss condition.

For more information on insurance or auto coverage in the Nevada area, please contact All Nevada Insurance.

Exploring Business Insurance Options

Business insurance encompasses a wide range of coverage to meet your company’s needs. When purchasing your policy, consider the following options to acquire just the right protection to meet your business needs.  

Property and Casualty – covers damage or loss to your business property along with its contents.

Liability – protects your business from negligent action that causes other people harm. 

Worker’s Compensation – protects your employees from accidents on the job.

Health Insurance – covers health benefits for your employees

Life and Disability – protects your business assets in the event of death or disability of specific employees such as a partner, etc.  

Commercial Auto – provides coverage for property damage of your business vehicles in the event of accidents; also covers damage to others’ vehicles caused by your employees.

Business Interruption – protects your business from loss of income in the event you cannot operate due to equipment damage, property damage, etc. 

You can save money on your business insurance coverage by tailoring your policy to suit your particular business needs. Let All Nevada Insurance experts guide you through the various types of policies and help you make wise decisions for the business coverage you seek.

Try Homemade Italian Soup for Satisfying Winter Meal

With much of the country currently in the clutches of "Old Man Winter," and sweaters and jackets necessary even for Nevada residents, hearty dinners of homemade soup and fresh bread can be delicious and comforting.  Comfort food is even better when it’s quick and simple.  Try this version, which can even be adapted to serve a crowd.

Italian Hearty Soup

1/2 pound mild Italian sausage (bulk, or removed from casing)

Several cloves of garlic, minced

1 onion, 3 or 4 medium carrots, 2 stalks celery, including leaves, chopped

1 can white kidney beans, partially drained

3 to 4 cups chicken broth, low sodium

Cabbage, 1/3 to 1/2 head — cut into about 1 inch chunks

Fresh spinach – 4 to 5 ounces

Saute the garlic in a little olive oil; add sausage and cook gently; add chopped vegetables in batches and continue to saute until all is mixed and starting to get tender.  Add salt, parsley, Italian seasoning and pepper to taste.  You can also add some dried sage and basil if you wish.

Turn heat to medium, add broth and beans, and continue to cook on medium or medium low until vegetables are tender.  If needed, add a little water or a bit more broth; but the soup should thicken slightly because of the beans.  Add the cabbage and continue cooking until tender. It can be turned to low and kept warm until ready to serve.

Just before ladling into serving bowls, turn heat up to medium, add spinach and stir just until wilted.

Serve immediately with freshly grated parmesan cheese and warm, crusty bread.  The whole family will love staying home for this hearty, nutritious, easy to prepare dinner.

When you need a "recipe" for the best insurance coverage, don’t hesitate to contact the professionals at All Nevada Insurance.  They’ll be happy to help you with all your business and personal policies.




Bad Practices in a Business Equal a Raise in Insurance Premiums

A company that makes poor decisions regarding facilities and employees will typically experience an increase in insurance premium costs due to these decisions. Avoid putting your business, clients or employees at risk by maintaining good methods when it comes to the follow situations.

If you ignore employment laws, you are putting your business at risk. In addition to following procedures regarding these laws, you should choose to do business only with other businesses who follow employment laws and regulations. You are responsible for insuring your business appropriately, and that includes reporting risks that may cause you to need additional coverage, such as high crime rates or flood zones. Make sure you purchase and maintain insurance coverage for your personal property, your health, your business and for inventory so to protect your company in earnest.

For your employees, maintain a professional working environment by mandating employee training on a regular basis. Additionally, make certain that you are providing a safe and secure environment for employees and customers. Here at All Nevada Insurance in several locations throughout Nevada, we hate to see bad practices result in a raise in premiums for business owners and employees. Contact us today to find out how you can prevent such a situation from happening to you.

Stay Sober on Nevada Roads and Highways or Pay a Hefty Price for Getting Pulled Over

All Nevada Insurance representatives remind you to pay attention to the strict Nevada laws about drinking and driving. Plan on paying a large sum of money if you get pulled over due to driving under the influence of alcohol.

The end of the year marks a time of reflection about your past and future lifestyle and insurance coverage. Reviewing information about your current auto insurance policy with an All Nevada Insurance agent can help you start the new year with an extra measure of confidence.

If you plan to celebrate the end of 2013 by drinking wine and beer, remember that you run the risk of getting pulled over by an officer and receiving a fine. Stay sober to avoid the embarrassment and the extra cost involved in getting pulled over by a highway patrol officer.

Instead, celebrate Christmas and New Year’s Day without getting drunk. Learn to appreciate the holidays with a sober mind. For more information about staying sober to avoid getting pulled in Las Vegas or Henderson, Nevada, please contact All Nevada Insurance.


7 Safest Midsize Cars: Front Crash Prevention Ratings

Studies have revealed the seven vehicles that are the safest as far as front crash prevention is. Having one of these cars virtually guarantees lower insurance rates than you would have otherwise. Cadillac, Mercedes-Benz, Subaru and Volvo were all represented highly in these crash test ratings.

The seven safest vehicles in 2013 and 2014 models were as follows: the Cadillac ATS Sedan, the Cadillac SRX SUV, the Mercedes-Benz C-Class, the Subaru Legacy Sedan, the Subaru Outback Wagon, the Volvo S60 Sedan and the Volvo XC60 SUV. Out of all of these, the two Cadillacs scored highest with the other vehicles scoring similarly. 

These safety ratings were only based on front crash prevention. Other vehicles may be safer for side collisions or after a crash has already occurred. Nevertheless, these vehicles all represent a very safe choice. The safer your car is, the lower your insurance premiums are likely to be. To find out more about your car and how it affects your auto insurance rates, contact the professionals at All Nevada Insurance.

Stolen items: Protect Your Car

Car break-ins are very common and have some serious ramifications for those involved. Not only could your expensive items be stolen right out of our car, but your car could be damaged during the crime. To avoid this, there are a few things you should consider doing.

First, always ensure that your car is parked in a lit area and don’t leave presents visible within your vehicle. If you do have presents in your car, you should have all of the receipts. Your auto insurance policy may cover your items, but you’ll need to prove their value.

You may want to check to make sure that your auto insurance policy does cover items and you should avoid carrying too many items at once. Remember that thieves will often follow you from the store, so you should always go directly home after shopping to reduce your risk.

For more information about the auto insurance needed to protect your vehicle and your belongings, contact the experts at All Nevada Insurance.

Important Tips When Buying Homeowner’s Insurance

Protecting your home with insurance is crucial, however not all insurance policies are the same.

Comparison shopping for a policy that covers what you need

Most homeowner’s policies cover damage to your property and your possessions in the event of certain storms, fire, theft or vandalism, liability if someone gets hurt on your property and protection against theft. However, if you live in a area with natural disasters like floods, you will need extra insurance specific to that type of disaster.

How and when to process claims

Most insurance companies prefer that you file a claim right away to get the best replacement value and service. Write everything down and keep all receipts for proof should you need it. It is worth your time to call and find out if your insurance company will cover damage even if you don’t think it will.

Jewelry May Need Extra Insurance

Jewelry is easily lost or stolen and may not be completely covered on your policy. Double check the amount of coverage that you have for jewelry.

For more information about Homeowners Insurance in the Nevada area please contact All Nevada Insurance.

Storm Preparedness Checklist

As the winter weather grows increasingly severe, you may want to ensure that your storm preparedness checklist has been completed. Whether protecting your home or your business, it’s important that you ensure that your property is safe.

Loose tree branches need to be trimmed as soon as possible, and damaged or dead trees need to be cut down completely. It is simply too dangerous for these to be allowed in a storm, as they can travel quite far if loosened. 

You may also want to ensure that your roof and foundation are both in good condition. A company can come to inspect these items. If there are any breaks in either your roof or foundation, you will want to get them fixed before the worst of the weather hits.

Finally, you may want to make sure that you have the appropriate coverage for the winter season. This is especially true if you live in an area that is prone to storm damage. For more information about preparing for your home or business for a storm, contact the experts in residential and commercial insurance at All Nevada Insurance.

Use Jewelry and Electronics Insurance to Save Your Proposal

If you’re proposing to your loved one soon, you may want to insure the ring. Rings are often extremely expensive, and there are a myriad of things that could occur through the course of your proposal. Many people want to hold on to their ring until the time is right, and many proposals can be quite elaborate. This is an important part of the proposal process, but it could also mean danger to the ring.

If you want to reduce potential danger, keep the ring within your safe until you’re ready to propose. You should also keep in mind the fact that most jewelry companies will also store your ring for you until you’re ready. When trying to propose in a specific location, make sure that you always know where the ring is.

Though it’s tempting to surprise your future wife, you should try your best to keep the ring in the actual box. It’s much harder for it to slip that way. For more information about how electronics and jewelry insurance can help you protect your proposal contact All Nevada Insurance today.