Wednesday, December 31, 2014

Resolve To Get A Will or Trust in 2015

As we are ringing in the New Year, make sure one of your resolutions is to get your will and trust done or have your old estate plan reviewed.

Why should you make getting a will and/or trust done in 2015?

1.   Everyone should have an estate plan. Estate plans are not only for rich people. Estate planning provides you with the tools to make sure your wishes are met when you are not able to speak for yourself. Estate plans give you the ability to make medical and health care decisions if you are not able to do so. If you have young children, an estate plan can outline who will be the guardians if something happens to you. Wills and trusts is the best way to let your wishes be followed. 
2.  This is a resolution that will be easy for you to keep. The first step is calling Alessi Law to schedule your free initial consultation. After that, Melissa Alessi will talk with you to make sure you desires are protected. Ms. Alessi will take care of preparing all of the necessary documents for you. Make the call to 702-998-4000 and get started with your New Year’s Resolution!

Do not be one of the estimated 120 million people who do not have an adequate estate plan. Start 2015 out right by crossing off one of your resolutions. 2015 is the year of estate planning with Alessi Law!

Sunday, November 23, 2014

Are You Insured If You Get In A Car Accident?

If you have been involved in a car accident, the last thing you should have to worry about is whether or not there is enough insurance available to cover your injuries. Unfortunately, this is a concern for many Las Vegas and Nevada residents. As the saying goes, “you don’t need insurance until something bad happens.”

In Nevada, all motor vehicles are required to have insurance to cover accidents, crashes, bodily injury damages, and death as follows:

            $15,000 for one person in an accident
            $30,000 for two or more people in an accident
            $10,00 for injury or destruction of property in any one accident

NRS 485.185. This minimum coverage is often referred to as 15/30/10 coverage. Nevada law defines a motor vehicle as “every self-propelled vehicle which is designed for use upon a highway.” NRS 485.050. So you need insurance coverage on your car, truck, motorcycle, moped, and even trailers, farm tractors, and tractor cranes! If you drive a car without insurance in Nevada, your driver’s license and vehicle registration can be suspended.

When you are involved in an accident, the person who is at fault for the accident typically has to pay for your damages. The payments first come from the insurance policy attached to the vehicle. Usually, insurance companies will fight both liability (who is at fault for the accident) and the amount of damages that the hurt person should get. Alessi Law can help you navigate these fights and disputes with the insurance companies.

You can also have your own insurance coverage in case the person who has hurt you does not have enough insurance to cover all of your damages. A few examples of ways to have your own insurance cover you include underinsured motorist coverage and uninsured motorist coverage; often abbreviated UIM and UM coverage. There is also medical payments coverage, also known as MedPay coverage, that you can use to cover damages if you have been in a car accident.

Make sure you are protecting yourself and others by being properly insured. Before you get in an accident, feel free to contact us and we can explain how insurance affects you when you have been in a car accident and we can put you in contact with the right person to get you the insurance coverage that is best for you. 

Accidents happen everyday and you do not know when it will happen. Melissa Alessi will work with the insurance companies so that you can focus on getting healthy. Alessi Law is here to help you if you have been in a car accident to make sure that you are getting the most insurance coverage available to you.

Monday, November 10, 2014

Nevada Drivers Put Down Your Phones

Nevada drivers should know by now that Nevada state law prohibits the use of handheld cell phones while driving. You can be pulled over if a police officer or highway patrol officer catches you using the phone. Studies still show that the use of cell phones while driving continues to rise. Nevada Highway Patrol has said that unfocused driving, i.e. using your cell phone, will surpass drunk driving as the #1 cause of traffic fatalities soon.

Nevada Highway Patrol has issued over 3,700 tickets this year for violating the handheld cell phone law, which is a 67% increase from last year’s numbers. The first violation can set you back $50. By the third violation, you can be paying $250 for using your cell phone while driving.

It looks like drivers are not getting the message. A study by the National Safety Council showed that drivers talking on their cell phone caused 21% of crashes. Another 5% of crashes were caused by texting while driving.

If a person is injured as a result of driver negligence, the injured party can file a personal injury lawsuit and could receive payment for his or her injuries and damages. Driver negligence is the failure to exercise enough caution that another sensible person would exercise under the same circumstances that results in injury to another person.

A lawsuit can be a long and confusing process and someone with the knowledge of the system can be helpful in coping with the pain and suffering of a horrible accident. Contact Alessi Law, for a free consultation, if you have been injured in an accident.