The Hidden Role of Independent Medical Exams in Insurance Denials
There are many state and federal programs designed to help folks who have challenges with taking on a job. Sometimes these disabilities are from genetic predisposition. For some, an injury, on or off the job, prevents them from returning to gainful employment. In any of those situations, the person who can’t work can apply for disability benefits. This is where the concept of independent medical exams comes into play. Unfortunately, these exams could also result in a denial of benefits. Are Independent Medical Exams Common? Yes. If you [...]
The Nevada Independent Quotes Matt Sharp on Controversial Nevada Insurance Bill
This story was originally published January 18, 2026 by The Nevada Independent. The Nevada Independent recently featured commentary from founder Matt Sharp regarding Nevada's new and controversial insurance legislation, AB376, which took effect on January 1st. Sharp, who has represented dozens of clients affected by wildfire, raised concerns about the new law's impact on consumer protections. The legislation allows insurance companies to carve wildfire coverage out of standard homeowner policies, making Nevada the first state to implement such a measure. "Insurance is important to the public trust because [...]
How Nevada Courts Look at Punitive Damages in Insurance Bad Faith
Dealing with an insurance company that refuses to pay a valid claim can feel like hitting a brick wall. You’ve been paying your premiums faithfully, only to find yourself arguing with the very company that promised to have your back. In Nevada, when an insurer’s conduct goes beyond mistakes and edges into outright wrongdoing, courts can award punitive damages. These are not just about money. They are meant to send a clear message: bad behavior won’t be tolerated. What Does Insurance Bad Faith Mean? Insurance bad faith occurs [...]
What You Need to Know About Reservation of Rights Letters in Nevada
Liability insurance is a lot like a prenuptial agreement. You sign a prenup without the intention of getting a divorce, but if that happens, your assets are protected. With liability insurance, you don’t plan to get into an accident or have someone hurt at your business, but in case that happens and you are to blame, a liability policy will provide compensation for the injured party. At least, that’s how it should go unless you receive a Reservation of Rights Letter. In simple terms, a Reservation of Rights [...]
Evidence Needed to Prove an Insurance Bad Faith Claim
When an insurance company fails to uphold its end of the bargain, policyholders may have the right to file a bad faith claim. In Nevada, insurance bad faith occurs when an insurer unreasonably delays, denies, or underpays a legitimate claim without proper justification. Bad faith cases don't just hinge on whether the insurer was wrong, they depend on showing that the company acted without a reasonable basis. Proving this requires specific evidence demonstrating the insurer's conduct crossed the line. The burden of proof falls on you (the claimant), [...]
The Time Limit to File an Insurance Bad Faith Claim
Submitting a claim to an insurance company might seem straightforward but once you hit “enter” on your submission, there is no telling what might happen. There are also concerns that the insurance company you’re dealing with isn’t honoring the policy. If you suspect that your insurance company has acted unfairly, you may consider filing a bad faith claim. These claims arise when an insurer unreasonably delays, denies, or underpays a valid claim. However, even if the insurer clearly acted in bad faith, the window to take legal action [...]
9 Reasons Insurers Can Cancel Car Insurance Policies
There are a lot of opportunities to win at gambling in Reno. Whether you’re playing the slots or roulette, there will always be a risk. One area where you don’t want to gamble is with your insurance. You’re not obligated to carry health or homeowners’ insurance if you own your home outright. However, you must carry homeowners’ insurance if you have a mortgage. You also need to carry automobile insurance. In Nevada, drivers must carry liability insurance with the following minimums: $25,000 bodily injury liability per person $50,000 [...]
Is Only Paying a Partial Claim Considered Insurance Bad Faith?
The only reason to start a business is to earn profits and expand the customer base. That holds true for insurance companies. Although they profess to be there for their policyholders when they need them, they are always focused on the bottom line. They only make money if they continue to collect premiums without paying out on claims. Unfortunately, when an insurance company opts not to pay out a claim, it acts in bad faith, which can be actionable. Although it might seem straightforward, it can be complex [...]
How Much Is a Bad Faith Claim Worth?
Insurance companies are supposed to provide financial support when an accident or other tragedy occurs. Given the meteoric rise of insurance prices over the past couple of years, as reported by National Public Radio (NPR), it would be reasonable to expect that insurance companies are holding up their end of the expensive bargain. However, not all insurance companies act in good faith when investigating or paying out a claim. Far too often, they look to cut corners, delay payments, and generally fail to comply with their duty of [...]
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 [...]
