1. Except as otherwise provided in subsection 7, any natural person may satisfy the requirements of NRS 485.185 by obtaining, in lieu of an owner’s policy of liability insurance, an operator’s policy of liability insurance which meets the requirements of this section and NRS 485.3091.
2. An operator’s policy of liability insurance may only be issued to a person if:
(a) The number of motor vehicles that the person owns is greater than the number of persons in his or her household who possess a driver’s license; and
(b) Each person in his or her household who possesses a driver’s license is covered by an operator’s policy of liability insurance.
3. An operator’s policy of liability insurance must state, in addition to the requirements of NRS 485.3091, that:
(a) The insurer is only liable under the policy for liability incurred by the insured while the named insured is the operator of a motor vehicle or while a motor vehicle owned by the insured is not being operated by any person;
(b) The policy does not provide coverage for any vicarious liability imposed on the owner of the motor vehicle as a result of the operation by another person of a motor vehicle owned by the insured or for any liability imposed by NRS 41.440 or 483.300; and
(c) The coverage provided by the policy may not meet the requirements of the financial responsibility laws of other states,
unless such extended coverage is expressly included in the policy. No operator’s policy of liability insurance may be delivered or issued for delivery in this State unless the insured has signed an endorsement stating that he or she has read and understood the policy and its limitations.
4. An owner of a motor vehicle which is registered or required to be registered in this State and who holds an operator’s policy of liability insurance shall not permit another person to operate the motor vehicle if the owner knows or should have known that the person does not have liability insurance to cover the person’s own operation of that motor vehicle.
5. An operator’s policy of liability insurance must not provide coverage for damages incurred while a person other than the named insured is operating a motor vehicle.
6. An operator’s policy of liability insurance must provide coverage for liability incurred by the insured while a motor vehicle owned by the insured is not being operated by any person.
7. This section does not apply to a lessor, dealer, manufacturer, rebuilder or distributor of a motor vehicle, an owner of a fleet, a common, contract or private motor carrier or any other employer who owns a motor vehicle for use in his or her business.
(Added to NRS by 1987, 1088; A 2001 Special Session, 252)
Structure Nevada Revised Statutes
Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility
NRS 485.028 - "Certificate of financial responsibility" defined.
NRS 485.0335 - "Dormant vehicle" defined.
NRS 485.034 - "Evidence of insurance" defined.
NRS 485.035 - "Judgment" defined.
NRS 485.037 - "Insurance" defined.
NRS 485.040 - "License" defined.
NRS 485.050 - "Motor vehicle" defined.
NRS 485.055 - "Motor vehicle liability policy" defined.
NRS 485.060 - "Nonresident" defined.
NRS 485.070 - "Nonresident’s operating privilege" defined.
NRS 485.080 - "Operator" defined.
NRS 485.090 - "Owner" defined.
NRS 485.105 - "Proof of financial responsibility" defined.
NRS 485.108 - "Registered owner" defined.
NRS 485.110 - "Registration" defined.
NRS 485.120 - "State" defined.
NRS 485.130 - General duties of Department.
NRS 485.137 - Department to publish and disseminate informational leaflet.
NRS 485.140 - Judicial review.
NRS 485.187 - Unlawful acts; fines and penalties; exceptions.
NRS 485.191 - Right to hearing; notice; request for hearing; waiver.
NRS 485.193 - Scope of hearing.
NRS 485.195 - Powers of officer conducting hearing.
NRS 485.197 - Enforcement of subpoenas issued by Director.
NRS 485.200 - Exceptions to requirements as to security and suspension of license and registration.
NRS 485.210 - Requirements as to policy or bond.
NRS 485.220 - Form and amount of security.
NRS 485.230 - Duration of suspension; requirements for reinstatement.
NRS 485.250 - Authority of Department to reduce amount of security.
NRS 485.260 - Custody of security.
NRS 485.270 - Disposition of security.
NRS 485.280 - Return of deposit.
NRS 485.300 - Matters not to be evidence in civil suits.
NRS 485.302 - Suspension for nonpayment of judgment; exceptions.
NRS 485.303 - Suspension to continue until judgments paid and proof given.
NRS 485.304 - Payments sufficient to satisfy requirements.
NRS 485.305 - Payment of judgment in installments; default.
NRS 485.307 - Alternate methods of giving proof; proof required before registration is restored.
NRS 485.309 - Certificate furnished by nonresident as proof.
NRS 485.3091 - Motor vehicle liability policy: Requirements.
NRS 485.3093 - Chapter not to affect other policies.
NRS 485.3098 - Other proof may be required.
NRS 485.316 - Confidentiality of information in system; exceptions; penalty.
NRS 485.318 - Immunity from liability for actions in good faith and without gross negligence.
NRS 485.326 - Suspension of license for failure to maintain insurance.
NRS 485.330 - Operating motor vehicle when license or registration suspended.
NRS 485.340 - Failure to return license, registration or license plate.
NRS 485.360 - Penalty for other violations.
NRS 485.385 - Department to take appropriate action after receipt of correct information.
NRS 485.390 - Chapter supplemental to laws regarding motor vehicles.
NRS 485.400 - Chapter not retroactive.