与无保险驾驶人发生事故后，请致电我们的人身伤害律师团队

保护您自己和家人：医疗费用和未投保/保险不足的驾驶人保险

You can be the greatest quarterback in the NFL, but if you don’t have a ball, you are not going to complete one pass. Similarly, you can be seriously injured due to the negligence of another, but if there is limited or no money available to compensate you, the best lawyers cannot do anything to change that situation.

作为您的拉斯维加斯车祸律师，没有什么比无法帮助受伤的人更让我们沮丧的了。例如，去年有一位先生因多处脊椎骨折而戴着头环来到办公室。他被一名醉酒司机迎面撞上，在医院接受了紧急手术。醉酒司机没有保险。不幸的是，受害者没有未投保机动车保险，所以他根本拿不到钱。很多人问，在这种情况下，为什么我们不起诉醉酒司机并扣押他的资产、薪水等。如果我们认为这样做可以收回赔偿金，我们就会这么做，但实际情况是，你几乎永远拿不到个人赔偿金。大多数人没有数千美元来满足任何判决，少数有钱的人可以成功避免任何追偿努力。因此，这位戴着头环的先生将终生受苦，却拿不到一分钱！

This can be avoided. You can protect yourself by buying uninsured/underinsured motorist coverage, which starts at a minimum of $25,000 per person/$50,000 per accident. Check with your insurance agent, but this coverage is not that expensive. I would recommend $100,000/$300,000 as the minimum amount to protect you. Although most people do have insurance, there are a good number of people driving with the minimum limits of $25,000 of liability coverage. We see this situation all the time; where a person is injured, taken by ambulance to UMC hospital, who treats him in the trauma unit and generates a bill of say $10,000. The hospital has an automatic lien on your case, so with only $25,000 available, there is not much money left to pay for other doctor bills and compensate that person for their injuries. It really is not that much different from the drunk driver with no insurance.

强烈建议您为自己和家人购买大量未投保/投保不足的机动车保险。即使您有健康保险，您也可以通过购买医疗费用保险（也称为医疗支付）来使您的索赔受益。医疗费用保险的限额通常为 5,000 美元或 10,000 美元。您可以获得更高的限额，请咨询您的保险代理人。如果您发生车祸，此保险将支付最高限额的医疗费用。这些费用仅在机动车事故发生后才生效。那么除此之外，它还有什么好处呢？我们经常被问到这个问题：“我叔叔的情况和我一样，为什么他净赚了近 10,000 美元，而我只赚了 5,000 美元？”您的叔叔很可能有医疗费用保险。大多数软组织索赔最终都以患者治疗几个月而告终。如果没有医疗费用，医生通常会以留置权为您治疗，这笔钱必须在案件结束时偿还。医生、医院、健康保险公司和医疗保险的留置权会蚕食您的净赔偿金。医疗费用的好处在于，您不必在索赔结束时偿还。例如，“客户 A”治疗了 2 个月，医疗费用为 5,000 美元。他有医疗费用。该案件的和解价值为 10,000 美元。唯一的费用是 1/3 的律师费，因此他净赚 6,666 美元。（假设示例中没有费用）。

“客户 B” 有相同的费用，但这些费用都属于留置权。在 Craig P. Kenny & Associates，我们的收入从不高于客户，因此在第二个例子中，我们会将留置权协商降低到 4,000 美元左右，并将我们的费用降低几百美元，这样客户就可以得到大约 3,000 美元；这与“客户 A”相差甚远。请记住，您欠留置权款项这一事实不会增加您的索赔价值。如果案件交由陪审团审理，保险或是否欠账单都无关紧要。

The bottom line is, don’t rely on your fellow driver to carry enough insurance to compensate you for your claim. If you own a car, you are in control of whether you have the above coverages to protect and benefit you. If you are unsure of the coverages you carry on your insurance policy, please give us or your insurance agent a call to go over it with you.

拉斯维加斯最佳人身伤害律师

拉斯维加斯律师事务所 Craig P. Kenny & Associates 已为内华达州拉斯维加斯的受伤受害者提供值得信赖的法律代理服务，我们已成立 27 年。Craig Kenny 为内华达州拉斯维加斯的居民提供法律服务，主要从事人身伤害法领域的工作，重点是车祸、滑倒和跌倒事故、工伤赔偿、刑事辩护、保险恶意索赔和交通罚单。

Craig P. Kenny 及其敬业的人身伤害律师团队利用其丰富的法律专业知识，致力于尽快、高效地为您的伤害获得最高和解方案。他们还将帮助您获得康复期间可能需要的任何额外损害赔偿，包括与事故相关的当前和未来医疗费用。

We treat our clients as a part of the family

Craig P. Kenny & Associates 的目标是像对待家人一样对待每一位客户。我们的员工始终友善、有礼，并专注于每一位走进我们大门的客户。通过与 Craig P. Kenny & Associates 合作，您可以期待在您的案件处理期间以及我们整个工作关系期间都能获得及时和认真的服务！我们以提供一流的客户服务为荣，无论是在家中、医院还是工作场所与客户会面，我们始终可以指导您完成案件的每一步！

If you or a loved one are in need of the best personal injury attorney Las Vegas has to offer, contact Craig P. Kenny & Associates for a free injury case evaluation. (702) 380-2800

致电我们的无保险机动车事故律师

内华达州拉斯维加斯的 Craig P. Kenny & Associates 的联系电话为 702-380-2800。我们的无保险机动车事故律师随时准备为您提供帮助。

我们的评论

Hayley Price 是一位知识渊博、经验丰富的律师。Hayley 让我感觉自己是她唯一的客户；她给了我很好的建议，并准备为解决我的案子而努力。我一定会向家人和朋友推荐 Hayley。

再次感谢 Hayley – Anthony P.

这些家伙很棒。非常高效，非常专业地处理了我的需求。强烈推荐。– Autumn W.

一位朋友建议我打电话给他们，以解决我的超速罚单。这位女士告诉我，由于这是我的第一次违法行为，拉斯维加斯市法院已经提供罚单减免、交通学校和扣分，只要我不抗辩并在线支付。她本可以轻松让我支付 50 美元，而我永远不会知道！她甚至在网上指导我完成整个流程。我希望我能给这个地方 10 颗星。– Amanda G.

他们非常乐于助人，我出车祸时就去找他们，他们处理了一切，并立即安排了预约看医生，工作人员非常友好。车祸会让人非常紧张，他们让我感到受欢迎和关心。10/10 绝对推荐。希望我不再有车祸，但如果有，他们就是我要找的人。– Rachell M.

我代表我的丈夫写这篇评论，他在半夜下班回家时与一名醉酒司机发生了车祸。由于人身伤害和车辆损坏，我们联系了 Craig P. Kenny & Associates。Lawrence E Mittin 和他的团队非常致力于为我的丈夫简化整个过程，他因为受伤需要看几位医生。最后，我的丈夫得到了非常不错的赔偿。感谢 Lawrence E Mittin 所做的一切工作！我们会向任何有需要的人推荐这家律师事务所。– Ioana R.

Craig P Kenny & Associates 的 Paul Kirst 是一位高效、值得信赖的人身伤害律师，他能取得成果！最近，他帮我顺利处理了一起交通违规案件，而且结果非常出色，即使在常见的隔离封锁挑战中也是如此。我有机会在整个过程中与他互动，享受他缓解压力的幽默，并欣赏他对法律和相关法院系统的了解和理解。Paul 在整个过程中不断向我通报最新情况，解释了如何做和为什么做。他的办公室沟通顺畅，并通过电子邮件和电话忠实跟进。他们甚至发送了有关最终法院处理费用和截止日期的提醒。Paul 以五星级的方式解决了一个小法律问题，如果我需要一位一流的人身伤害律师来处理大事，我会再次找他。谢谢你，Paul！– Teri A.

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Spring - Las Vegas, NV - Craig P. Kenny & Associates

SAFETY TIPS FOR SPRING 2024

撰稿人： By Leon R Symanski, Esq. • 02 May, 2024

Ahhh, Spring! Temperatures get warmer, days become longer and trees, flowers, and foliage are in full bloom. Spring is truly a cause for celebration for most of us. It’s time to get outdoors and hike, bike, walk, picnic, and enjoy our beautiful environment. Spring is also the perfect time to reevaluate your home and/or office to make sure the environment is safe for all. Protect Yourself From The Sun: Remember to wear sunscreen and hats while out in the sun, as prolonged exposure can lead to heat stroke. Limit time outdoors during midday when UV exposure is at its highest peak. Keep yourself hydrated by drinking plenty of water throughout outdoor activities - dehydration can be dangerous in extreme temperatures. Minimize alcohol and sugar intake while enjoying the sunshine. Family Emergency Plan: The National Safety Council recommends every family have an emergency plan in place in the event of a natural disaster or other catastrophic event. Spring is a great time to review that plan with family members. Be prepared by having a home emergency kit that includes one gallon of water per day for each person, at least a three-day supply of food, a flashlight and batteries, a first aid kit, a filter mask, plastic sheeting and duct tape, and medicines. Smoke Alarms: Three out of every five home fire deaths result from fires in homes with no smoke alarms, according to the National Fire Protection Association. Test your smoke alarms every month and replace the battery at least once a year. If the alarm makes a "chirping" sound, replace the battery immediately. Carbon Monoxide Detectors: Anything that burns fuel can potentially become a source of carbon monoxide, an invisible, odorless gas that can kill. CO alarms should be installed in a central location outside each bedroom and on every level of the home. The safety tips for CO detectors mirror those of smoke alarms: change the batteries, test them, and interconnect them, if possible. Also, make sure vents for your gas appliances (fireplace, dryer, stove, and furnace) are free and clear of snow or debris. Water Leaks: We live in the desert and water is a precious commodity. Check your sprinklers, pool equipment, hoses, and pipes. Undetected leaks can lead to black mold, which can lead to serious health complications. Water leaks can cause very expensive property damage repairs as well. General Safety Tips: Now that the Spring weather is here, we tend to feel that urge to get out and “fix stuff” around the house. Remember to use common safety sense when taking on physical tasks. Wear the correct protective clothing, eye protection, gloves, and footwear (no flip-flops when going up and down ladders). Check for frayed or damaged electrical cords. Respect and understand all power tools before you use them. Use your legs when lifting heavy or unbalanced objects. Also: NEVER leave small children or pets in your vehicle! It only takes a matter of minutes to cause serious illness, injuries, or death once the temperature begins to rise. Summer will sneak up on us before we know it, so make sure you take the time to appreciate nature’s revival before the heat wave hits. The attorneys and staff at Craig P. Kenny & Associates wish you and your family a happy, healthy, and fun Spring season. We truly appreciate your trust and loyalty, as well as your referrals.