How To Appeal a Denied Insurance Claim
Published on November 19, 2024, by Law Office of Matthew L. Sharp
Insurance
We pay for health insurance with the expectation that when the time comes, and we need to pay for an expensive medical procedure or another form of care, that coverage will provide the financial support needed. However, there has been a noted uptick in denied health insurance claims across the country, per the Public Broadcast Service (PBS). According to a recent study conducted by KFF, nearly 17% of claims made in-network were denied in 2021, with denial rates from different insurers ranging from 2% all the way up [...]
Who Is Liable for Injuries at Public Skate Parks?
Published on November 12, 2024, by Law Office of Matthew L. Sharp
Personal Injury
Injuries are commonplace at skate parks. Even the best of the best who skateboard, rollerblade, ride bikes, and more wear protective gear to try and prevent the most serious of injuries. However, even with a helmet and a full set of pads, injuries can still occur, especially when a skate park isn’t properly cared for or maintained. If you were seriously injured at a skate park because of this, you may be able to file a premises liability claim in Nevada. Read on to learn if your situation [...]
What Does the Vehicle Damage Rating Mean in a Police Report?
Published on November 5, 2024, by Law Office of Matthew L. Sharp
Car Accident
Whenever police show up on the scene of a car accident anywhere in Nevada, they will fill out a crash report. This allows them to document all manner of information about the crash, including the direction the vehicle was moving at the time of the impact, what action it was taking, driver impairments, driver and vehicle factors that contributed to the crash, the estimated speed of the impact, and more. All of this information is gathered at the scene of the crash, and can play a major factor [...]
How Safe Is It To Ride in an Uber or Lyft?
Published on October 29, 2024, by Law Office of Matthew L. Sharp
Car Accident
Getting into a stranger’s car, whether that’s a classic cab or a rideshare vehicle, can be understandably stressful for a lot of people. However, the overwhelming majority of passengers who use Uber and Lyft face zero safety problems. According to Uber’s US Safety Report, 99.9998% of trips from 2021 to 2022 ended without a safety incident, and 99.9% of trips over that time ended without any kind of safety report. Lyft’s numbers are extremely similar — according to the company’s Safety Transparency Report, safety incidents only occurred in [...]
Who Is Responsible for a Car Accident on Private Property?
Published on October 29, 2024, by Law Office of Matthew L. Sharp
Car Accident
Nevada has some of the most heavily visited private properties in the country. Casinos and hotels, especially in high-traffic cities like Reno and Las Vegas, are full of visiting cars, valet drivers, delivery trucks, and more at nearly all times of the day and night. With so much activity and so many drivers not familiar with the area, roads and other areas can be extremely dangerous to pedestrians and other motorists. If you were injured, or if your loved one was killed in a motor vehicle collision in [...]
Can I Have Two Auto Insurance Policies?
Published on September 24, 2024, by Law Office of Matthew L. Sharp
Insurance
The first official car insurance policy was purchased by Mr. Gilbert J. Loomis in 1897. It wasn’t long before more insurance carriers sprung up, and new car owners realized the benefits of having protection. Today, every state except New Hampshire requires drivers to obtain a minimum amount of car insurance. That begs the question, “Can I have two auto insurance policies?” The short answer is “it’s not a good idea,” to have two auto insurance policies for one car. In actuality, there is no specific law against having [...]
Does Health Insurance Cover Auto Accidents?
The National Safety Council reports that nearly 5.4 million people experienced car crash injuries and another 46,980 died in vehicle accidents in 2021. Just the year before (2020), the estimated total cost of vehicle-related accidents in the US was $474 billion. Many of the costs related to these accidents were covered by various types of insurance, but not all. In Nevada, understanding how health insurance applies to car accidents is crucial for anyone driving on its roads. From the urban excitement of Las Vegas and Reno to the [...]
Why Are Surgical Procedures Commonly Denied by Insurance?
The good news is that 92.1% of Americans had health insurance at some point in 2022. That is based on information collected by the United States Census Bureau. The bad news is that insurance doesn’t always provide coverage for all procedures. If you or someone in your family are dealing with health issues, you need to know why surgical procedures are commonly denied by insurance. The following are some of the common reasons why a denial occurs: The Insurance Policy Does Not Cover the Procedure Two common types [...]
How Do Insurance Companies Negotiate Settlements?
Published on August 27, 2024, by Law Office of Matthew L. Sharp
Car Accident
Collecting accident data is one of the many responsibilities of the Nevada Department of Transportation. According to that data, there is an average of 16,800 car accident injuries in Las Vegas alone. Nearly every one of those accidents will most likely generate an insurance claim. That claim is just the start of the settlement process. If you are involved in this situation, it will help to know how insurance companies negotiate settlements for car accident cases. With an accident that involves injuries, you might not know how much [...]
How Long Do You Have To Respond to a Subrogation Letter?
Published on August 20, 2024, by Law Office of Matthew L. Sharp
Settlement
Insurance companies are extremely fond of collecting premiums from their customers but what they’re not fans of is paying out benefits. There might come a time when you need to file a claim with your insurance company to get reimbursed for medical expenses or car repairs as a result of an accident. After you get paid by your insurance company, they will seek a way to get that money back. That is when a subrogation letter is generated and sent to all the involved parties. How long do [...]
