Author Archive

Ask an Attorney: What are my rights as a pedestrian or cyclist?

In a state as car-centric as Nevada, being a pedestrian or cyclist can leave you vulnerable, especially when fatality rates have seen such a dramatic rise.

In 2015, there were 73 reported pedestrian fatalities, up from 36 in 2009. While these numbers on their own are alarming, they don’t account for the people injured when hit by a car. Knowing and understanding road rules and your rights as a pedestrian or cyclist can help prevent injury, or help guide you toward the correct course of action if you or a loved one are hurt.

Ask an Attorney: Personal finance 104, Getting out of debt

In previous editions, we tackled budgeting for the essentials and setting up an emergency fund for the unexpected. Now, it’s time to talk about the most difficult part of personal finance: debt.

Being in debt is no fun. Getting harassed by debt collectors because you’re behind is even worse. Fortunately, there are several avenues for getting out of debt.

Once your essentials budget is complete and you’ve got a couple of dollars in your emergency fund (to prevent going into more debt), it’s time to figure out which debt-relief option is best for you.

Ask an Attorney: Personal finance 105, What’s your credit score really for?

How much do you really know about credit scores?

If you’re like most people, you probably believe your score is a magic number that tells a bank whether it should let you buy a house or car, or issue you a credit card, and what interest rate banks will charge you when they lend you money. A common misconception is that anything above 700 means you have good credit, and anything below 650 means you have bad credit.

Some people even think their credit score somehow amounts to their value in the world, fearing that a bad credit score makes them a bad person.

Ask an Attorney: Dealing with medical bills after a car accident

Question: I was involved in a car accident that left me with substantial medical bills. I’m already getting calls from the insurance company about a settlement. I want to resolve the issue quickly, but I still have follow-up appointments with my doctor and I’m worried the settlement amount won’t cover the full cost of my expenses. What should I do?

Answer: You’re right to be cautious about the settlement offer and you should almost never accept a settlement for a personal injury claim until you’re sure all your medical care is finished.

Ask an Attorney: Should I consider a reverse mortgage?

Question: I’m in my 80s and have recently been hit with medical bills that are more than I’m able to pay on a monthly basis. My daughter suggested I take out a reverse mortgage to increase my cash flow. I need the money now and have plenty of equity in my home, but it seems risky. What would a reverse mortgage mean for me?

Answer: Depending on the circumstances, reverse mortgages can be helpful for some seniors, but you’re right — they can be risky. It’s important to understand what you’re getting into before making the leap.

Ask an Attorney: Help! My home inspector missed a big problem!

You’ve found your dream home. Your offer has been accepted. There are no major problems disclosed by the seller, and the inspection comes back with a clean bill of health.

Everything receives the green light and you proceed with the purchase. And then, a few months later, you discover a costly issue that, had you been aware of it, would have prevented the sale, or at least reopened price negotiations.

Inspectors can make mistakes, problems can be overlooked, and you can be left holding a bill for thousands of dollars repairing your new home.

Ask an Attorney: What are my options if I’m injured in a hotel?

Elsewhere in the country, visiting a hotel is typically reserved for vacations, but in Southern Nevada, resorts are part of many people’s daily lives.

Whether you’re dining at a restaurant on the Strip, relaxing at the pool or spa or going shopping, most of us stroll through a hotel property a few times a month. So, what happens if you’re injured at a hotel and need to seek compensation for the damages?

How much car insurance coverage do I really need?

When choosing car insurance, many tend to pick the cheapest option that fulfills the minimum legal requirement, but that’s not always enough. Choosing the right insurance policy can be achieved, even on a budget.

If you’re shopping for a new policy or haven’t evaluated your existing policy in a while, the beginning of the year is a good time to do so.

Panda Law Firm Las Vegas

As ride-hailing services increase in popularity across the Las Vegas Valley, so do consumers’ questions about liability in the event of an accident.

These types of accidents can be complicated, and the liability can drastically change depending on the circumstances. Additionally, accidents involving a taxi service can be tricky.

Here’s what you need to know if you’re involved in an accident with a rideshare or a taxi.