What to Do If You Have a Car Accident in Nevada

Posted on by TheSph3r3

All it takes is a slippery road or a moment’s inattention to cause a car wreck. A car accident can happen very quickly, and it may be one of the scariest moments of your life. Every driver should know what to do if there is an accident. However, the protocol may differ depending upon the state in which you are driving. In Nevada, this is what drivers should do if there is an accident.

Move Out of Traffic and Call the Police

First, if the vehicles are able to be moved and no one is seriously injured, move the vehicles out of the way of traffic. Next, call law enforcement. If no one is injured, you may just want to call the police without using the 911 number. If law enforcement shows up to work the accident, he or she will fill in the proper paper work. However, if a policeman is not available, you must take it upon yourself to get the correct information.

Paperwork Necessities

Make sure that you get the other driver’s full, legal name, phone number, and address. Additionally, you should get their driver’s license number and license plate number. Be sure to record their car information, like the make, model, and color of the vehicle. Also in Nevada, paperwork requires the Social Security numbers of both parties. Write down the approximate location of the wreck, the weather conditions, and the exact date and time of the accident. Be sure that you supply the other driver with the same information for yourself.

File Papers

In Nevada, you must file a Report of Traffic Accident within 10 days of the wreck. This form is available on the Department of Motor Vehicle website. It will include all of the above information and will not be accepted without it. You will also need to include a copy of your insurance card and medical reports if someone was injured.

Insurance Claims

Be sure to notify your insurance company of your accident as soon as you can. They will walk you through the steps of getting your vehicle repaired and making any claims against the other driver.

If you have questions about your auto insurance in Las Vegas, Nevada, contact All Nevada Insurance today.

Special Programs for Young Drivers in Las Vegas

Posted on by TheSph3r3

Teen drivers have accident rates up to three times higher than the rest of the population. If your teen is learning to drive, you may be interested in these resources:

Adam’s Place, a counseling center focused on teen issues offers a driving education course tailored for young beginners. The course was developed by concerned parents and traffic safety experts. In addition to teaching driving skills, the course places strong emphasis on safe driving, accident avoidance and injury prevention. The 30-hour course will prepare a teen driver for licensing, but more importantly, build awareness of the responsibility drivers accept for the safety of themselves and others. For dates, times and registration information, call (702) 339-0848.

Driver’s Edge is a unique safety course for drivers under 21. The course appeals to young drivers with sessions on the Las Vegas Motor Speedway course. During the session, drivers are taught how to control their cars in difficult situations and learn methods of avoiding collisions. As part of the course, every student will have a chance to get behind the wheel with a professional race driver or performance course driver. Dates vary, call (702) 896-6482 for details.

All Nevada Insurance is dedicated to protecting Nevada drivers, especially teens, with the right insurance. To explore your auto insurance options, contact us.

The benefits of digital security cameras

Posted on by TheSph3r3

Many home owners and business owners are adding digital security cameras to their properties now that the technology has become relatively affordable and easy to use.

Today’s digital surveillance cameras operate largely through software and apps. They can alert home and business owners via smartphone when something appears amiss at their respective locations. Those who use the devices can monitor their property through their tablets and similar devices, allowing them to determine if there is truly an emergency occurring or not. 

Digital cameras are credited with helping authorities recover stolen property in relation to several recent Las Vegas area burglaries. In each case, police were able to review recorded footage and find clues to the identify of the thieves in question, leading to arrests and property recovering. 

If you are thinking of buying such a system, do some research so you understand your options. Make sure you choose a system that not only fits your budget, but also your privacy and security needs and goals. 

For more information about how to protect your Las Vegas home or business property, contact All Nevada Insurance today. 

Sustain the Life of Your Company With Business Income Insurance

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Only one business out of five will recover following a significant loss, such as a natural disaster, fire or flood.  The inability to sustain the operation causes businesses to lose income that would cover payroll and operating expenses.   Business income insurance coverage can make survival possible.  Business owners are wise to follow these pointers.

  • Assess risks – Business locations have identifiable risk factors, such as floods, tornadoes or hurricanes.  In addition, supplier locations have similar risks.  Each situation must be evaluated to determine the ways in which the business must adapt to recover from various situations.
  • Devise continuity plan – Business survival depends on the ability to continue the operation in a temporary location or with another supply chain.  During this time, the business income insurance can supplement the cash flow to provide funds for the operation and payroll.
  • Conduct annual review – During the budget process, the continuity plan must be reviewed and updated to address growth and other changes that happened during the year.  Adjustments to the plan must include updates to the business income insurance policy limits.

For all of your business income insurance needs in Nevada, contact All Nevada Insurance located in Las Vegas.

All Nevada Insurance Partners with Local Fundraising Organization

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A.M Volunteers is a Las Vegas volunteer organization that holds fundraising events for various charities in the local area. Equally important, A.M Volunteers’ events are free, permitting more of every donation to go to their supported charities.

For example, their strong relationship with St. Jude’s Ranch for Children, allows A.M Volunteers to offer diverse supplies for St. Jude’s facility throughout the year. Their most recent event for this charity took place on Saturday, February 8, when they held a Cupcake Fundraiser to benefit St. Jude’s.

All Nevada Insurance believes in A.M Volunteers’ mission, to provide helping hands that ensure  area charities can survive and continue their good works. That’s why All Nevada Insurance became an active partner with this outstanding local volunteer organization.

Just as this Las Vegas volunteer organization improves the lives of others in need,  All Nevada Insurance, with their 70+ years’ experience, continues to protect and insure Nevada individuals and businesses with exceptional service perfected by this experience. With a full service menu of products, All Nevada Insurance professionals can explain all your options and provide affordable quotes for the protection you need.

When you want insurance advice, information and protection you deserve, contact All Nevada Insurance. With five locations in Las Vegas alone, All Nevada Insurance offers its clients convenience, as well as affordable protection.

March Las Vegas Events to Note on Your Calendar

Posted on by TheSph3r3

Las Vegas, Nevada locals have numerous fun, interesting events coming in March 2014. These events are not tailored for tourists, but for residents.

  • Mardi Gras Celebration, March 1. Celebrate Mardi Gras with Creole Stomp, the group that traverses the nation with their bluesy Louisiana songs.
  • The 26th Annual Great Arizona Beer Festival, March 1. Sample over 200 brews from more than 50 breweries.
  • Bluegrass in the Park, March 2. Free event showcasing local bluegrass and acoustic bands.
  • Classical Guitar Concert (with Peter Fletcher), March 5.
  • Bark in the Park, March 8 features fun events for both you and your dog.
  • Spring Brew’s Best Hand-Crafted Beer Festival, March 8.
  • 48th Annual Sons and Daughters of Erin, St. Patrick’s Day Parade and Festival, March 13-16.
  • Thirsty Third Thursday Pub Crawl, March 20.

This is a sampling of the many events geared to locals that are scheduled for March. There are more things to do, including the Rock or Dare Trivia Contest every Monday at Monster Mini Golf and the many Farmers Markets, offering the freshest local food for Las Vegas residents.

When you have questions about the complex world of insurance, contact the professionals at All Nevada Insurance. With five locations in Las Vegas, Nevada, All Nevada Insurance also offers its services in Colorado, Arizona, California, New York and Utah.

Should your business carry more than general liability insurance?

Posted on by TheSph3r3

Most business owners know they should carry liability insurance. However, not all understand the difference between carrying mere general liability insurance and more comprehensive coverage. 

In many cases, general liability insurance does not provide enough coverage. For example, it will not protect business owners from the repercussions of defective merchandise production, product recalls, injuries caused by faulty merchandise or property damage occurring as a result of faulty products. 

If you run a business with an international reach, bear in mind that general liability coverage does not extend across the United States border. 

Meanwhile, if you run a business with professional staff, such as lawyers or accountants, it is important to purchase professional liability insurance to protect staff from tort claims alleging negligence or misconduct. 

Depending on the type of business you run, there are many liability coverage options from which to choose. Some will be appropriate for your enterprise, while others will be unnecessary. 

If you live in the Las Vegas area, find out more about your insurance coverage options by contacting All Nevada Insurance today. 

Home Insurance is Not a Home Warranty

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Having a good homeowners insurance policy is an essential part of owning a home. However, some people may get their homeowners insurance confused with their home warranty. These two documents are both important, but they are also very different. While they may seen similar on the surface, when you really delve into what each one covers, you will find that they are nothing alike.

Home Warranty

Home warranties are usually purchased when someone buys a home. This policy is usually paid for at closing, and it protects the homeowner from failures of the major appliances and home systems. Usually the home warranty lasts for a year or two and keeps new homeowners from being responsible for expensive problems with appliances, plumbing, and other household systems that occur not too long after they move in the home.

Homeowners Insurance

Homeowners insurance policies cover damage to the home due to fire, theft, or storms. If a tree falls on the home, a storm destroys the roof, or someone steals things from your house, the homeowners insurance will pay for repairing or replacing things. However, most homeowners policies do not cover flood damage unless you have specifically paid for flood insurance. Homeowners insurance will not pay for replacing or repairing your major appliances or systems of the home if they fail due to routine problems, like wear and tear. However, if they are damaged by a storm or fire, homeowners insurance will most likely replace them. Homeowners insurance can also protect you from a lawsuit if someone is injured at your home.

If you have questions about insurance in Las Vegas, Nevada and the surrounding area, contact All Nevada Insurance today!

Spring Is Here: Insure All of Your Summer Toys

Posted on by TheSph3r3

The owner of a motorcycle, dirt bike or ATV should never assume that existing auto insurance policies would cover these toys.  Summer activities offer fun and excitement for all participants.  Sufficient insurance is required to prevent loss when accidents happen.  Start today to protect your assets from loss.

  • Property insurance – Damage to your motorized vehicles, RVs, boats and golf carts would be covered under this component.  Repairs, or replacement, of your property is important since few people can afford to pay for these expenses out of pocket.
  • Liability insurance – Property belonging to other people would be covered under this component.  In addition, injuries incurred when other people are involved in an accident with you would be covered.  Liability limits should be set high enough to cover lawsuit awards if another person sues you following an accident.
  • Injury coverage – The liability component will pay for injuries sustained by third parties.  Medical coverage is important if you and your family are not covered under another major medical insurance policy.  Health expenses can add up quickly if multiple people are injured in an accident.

For more information about insuring your toys in Nevada, contact All Nevada Insurance located in Las Vegas.

Health and Safety Risks Associated with Mold in Homes and Businesses

Posted on by TheSph3r3

Mold can result in a variety of health problems, ranging from itchy eyes to severe allergic reactions. Most home and business owners are not aware that mold is lurking in walls and ceilings or in damp basements. Since mold thrives on moisture, it can be found nearly anywhere, including on walls, ceilings, floors, fabrics, carpets, and even in ductwork. Mold poses many dangers in the home and business.

The dangers of fungi can escalate quickly. The growth of mold can begin with 48 hours of a surface’s exposure to moisture. If left unchecked, the mold will begin to grow and spread. Short-term exposure to fungi can compromise a person’s immune system, resulting in headaches, fatigue, burning throat, and flu-like symptoms. Respiratory problems are common when exposed to mold, and mold can increase the intensity and frequency of asthma attacks. Individuals with certain health conditions, such as severe allergies and asthma, are more susceptible to the dangerous effects of mold.

For more information on home or business insurance or coverage in the Las Vegas, Nevada area, please contact All Nevada Insurance.