Legal Question in Civil Litigation in Nevada

When you are not sure, find out, and don't rely exclusively on any insurance adjuster. Kbb.com for retail value in your ZIP code should help. Check out this link, for example:

http://www.kbb.com/kbb/UsedCars/2003_Kia_Sedona_VanMinivan_Retail.aspx

Loss of use of the damaged or totaled vehicle is often compensible by a garageman's comprehensive liability insurance policy. So keep receipts for alternate transportation, especially rental car expense. Once the adjuster is advised in writing and knows that (1) you are renting a vehicle, (2) you are keeping receipts and (3) you expect those expenses reimbursed, this may help expedite the settlement of your claim.

The check you get, made out to you and the finance company, will probably be in full settlement of all claims. If your mechanic claims he has no insurance, you will probably have to sue to establish liability and damages, and after that find sufficient assets the law does not protect to collect. Watch out for bankruptcy.

Your attorney can explain further.