Kevin Brunson Daily Mountain Trail Runner and NV Insurance Agent.

The definition of First Dollar Defense: "Provides coverage for defense expenses related to a claim from the first dollar. Allows the deductible to be applied to the loss only." This endorsement should be considered for high deductible professional errors and omissions liability insurance deductibles to preserve out of pocket defense if your organization is named in a lawsuit. In most cases your deductible is required only if you company is liable for the damages. This endorsement may offer your organization protection against frivolous lawsuits.

Insurance Information Institute Cover of the publication 9 Ways to Lower Your Auto Insurance Costs One of the best ways to keep your auto insurance costs down is to have a good driving record. Listed below are other things you can do to lower your insurance costs. 1. Shop Around Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers. (State insurance department phone numbers and Web sites can be found here.) You buy insurance to protect you financially and provide peace of mind. It's important to pick a company that is financially stable. Check the financial health of insurance companies with rating companies such as A.M. Best (http://www.ambest.com) and Standard & Poor’s (http://www.standardandpoors.com/) and consult consumer magazines. Get quotes from different types

By Steve Timko • stimko@rgj.com • January 30, 2010 Beginning Monday, the state of Nevada will require people registering a vehicle at the Department of Motor Vehicles to present a card that proves they have car insurance. Technically, people will be required to have proof Monday for vehicle registration renewals, reinstatements and license plate changes done on the Web or at a DMV kiosk, but problems getting software written has delayed implementation there until March 15, DMV spokesman Kevin Malone said. The DMV's new Nevada LIVE program will capture insurance information at registration and instantly confirm it with insurance companies, the DMV said in a statement. Done at a cost of $378,000, it replaces the old program of insurance companies reporting policy information on mailed data tapes or data cartridges, which led to delays in verification. "We're going to get your policy information up front and validate it instantly," DMV Director Edgar Roberts said. "

Nevada’s Insurance Commissioner Scott Kipper said he has approved an average decrease of 7.6 percent for workers’ compensation insurance rates. He also announced a 3.7 percent average decrease for workers’ comp assigned risk rates. The filing was submitted by the National Council on Compensation Insurance, Inc. (NCCI). The changes are effective March 1, and will apply to risks as of their anniversary rating dates. Mr. Kipper’s announcement said the reduction, specifically a reduction in loss costs, is based upon Nevada employers’ experience and future projections. NCCI loss cost is only one component of the rates charged by insurers. Each insurer must file a loss cost multiplier that is used to determine final workers’ compensation rates. More information regarding the filing, including links to the Assigned Risk Rates and Advisory Loss Costs are on online at the new Property and Casualty Workers’ Compensation section of the Division’s our web site http://doi.nv.gov/spc/workerscomp.as