Nevada Revised Statutes
Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility
NRS 485.3091 - Motor vehicle liability policy: Requirements.


1. An owner’s policy of liability insurance must:
(a) Designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby to be granted; and
(b) Insure the person named therein and any other person, as insured, using any such motor vehicle with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance or use of such motor vehicle within the United States of America or the Dominion of Canada, subject to limits exclusive of interest and costs, with respect to each such motor vehicle, as follows:
(1) Because of bodily injury to or death of one person in any one crash, $25,000;
(2) Subject to the limit for one person, because of bodily injury to or death of two or more persons in any one crash, $50,000; and
(3) Because of injury to or destruction of property of others in any one crash, $20,000.
2. An operator’s policy of liability insurance must insure the person named as insured therein against loss from the liability imposed upon the person by law for damages arising out of the person’s use of any motor vehicle within the same territorial limits and subject to the same limits of liability as are set forth in paragraph (b) of subsection 1.
3. A motor vehicle liability policy must state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the period of effectiveness and the limits of liability, and must contain an agreement or be endorsed that insurance is provided thereunder in accordance with the coverage defined in this chapter as respects bodily injury and death or property damage, or both, and is subject to all the provisions of this chapter.
4. A motor vehicle liability policy need not insure any liability under any workers’ compensation law nor any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured, or while engaged in the operation, maintenance or repair of any motor vehicle owned by the insured nor any liability for damage to property owned by, rented to, in charge of or transported by the insured.
5. Every motor vehicle liability policy is subject to the following provisions which need not be contained therein:
(a) The liability of the insurance carrier with respect to the insurance required by this chapter becomes absolute whenever injury or damage covered by the policy occurs. The policy may not be cancelled or annulled as to such liability by any agreement between the insurance carrier and the insured after the occurrence of the injury or damage. No statement made by the insured or on behalf of the insured and no violation of the policy defeats or voids the policy.
(b) The satisfaction by the insured of a judgment for injury or damage is not a condition precedent to the right or duty of the insurance carrier to make payment on account of the injury or damage.
(c) The insurance carrier may settle any claim covered by the policy, and if such a settlement is made in good faith, the amount thereof is deductible from the limits of liability specified in paragraph (b) of subsection 1.
(d) The policy, the written application therefor, if any, and any rider or endorsement which does not conflict with the provisions of this chapter constitute the entire contract between the parties.
6. Any policy which grants the coverage required for a motor vehicle liability policy may also grant any lawful coverage in excess of or in addition to the coverage specified for a motor vehicle liability policy, and the excess or additional coverage is not subject to the provisions of this chapter.
7. Any motor vehicle liability policy may provide for the prorating of the insurance thereunder with other valid and collectible insurance.
8. The requirements for a motor vehicle liability policy may be fulfilled by the policies of one or more insurance carriers, which policies together meet those requirements.
9. Any binder issued pending the issuance of a motor vehicle liability policy shall be deemed to fulfill the requirements for such a policy.
(Added to NRS by 1957, 726; A 1963, 222; 1967, 1203; 1969, 178; 1973, 837; 1979, 1516; 1981, 628; 1987, 1094; 2015, 1652; 2017, 1341)

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility

NRS 485.010 - Short title.

NRS 485.020 - Definitions.

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 485.135 - Department to furnish operating record. [Effective through December 31, 2022.] Department to furnish operating record. [Effective January 1, 2023.]

NRS 485.137 - Department to publish and disseminate informational leaflet.

NRS 485.140 - Judicial review.

NRS 485.185 - Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of coverage.

NRS 485.186 - Operator’s policy of liability insurance: Use in lieu of owner’s policy of liability insurance; requirements for issuance; required statements; operation of motor vehicle by person other than insured; required and excluded coverages; ap...

NRS 485.187 - Unlawful acts; fines and penalties; exceptions.

NRS 485.190 - Department to determine amount of security required; hearing; suspension of license and registration; procedure regarding erroneous information.

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 485.240 - Application to nonresidents, unlicensed drivers, unregistered motor vehicles and crashes in other states.

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 485.290 - Transfers of deposits to State Highway Fund; procedure for payment of claimants after transfer.

NRS 485.300 - Matters not to be evidence in civil suits.

NRS 485.301 - Judgment creditor authorized to report nonpayment of judgment entered as result of motor vehicle crash; Department to transmit copy of judgment to nonresident’s state.

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 485.3075 - Proof required before reinstatement of license or registrations suspended for failure to maintain proof; duration; penalty.

NRS 485.308 - Certificate of insurance as proof; filing of certificate by electronic or other means; insurance carrier to notify Department before cancelling or terminating policy.

NRS 485.309 - Certificate furnished by nonresident as proof.

NRS 485.3091 - Motor vehicle liability policy: Requirements.

NRS 485.3092 - Cancellation or termination of policy: Notice required; suspension required if effective date within 3 years after reinstatement.

NRS 485.3093 - Chapter not to affect other policies.

NRS 485.3098 - Other proof may be required.

NRS 485.3099 - Department, under certain circumstances, to consent to cancellation of certificate or waive requirement of proof; re-establishment of proof.

NRS 485.313 - Department to create system for verifying that owners of motor vehicles maintain insurance; regulations.

NRS 485.314 - Insurer to maintain record of each contract of insurance and provide Department access to any such record; Department to notify Commissioner of Insurance of noncompliance or receipt of false, incomplete or misleading information.

NRS 485.316 - Confidentiality of information in system; exceptions; penalty.

NRS 485.317 - Department to verify insurance for each motor vehicle registered in this State; owner to respond to inquiry when Department unable to verify insurance; suspension of registration when insurance cannot be verified; reinstatement of regis...

NRS 485.318 - Immunity from liability for actions in good faith and without gross negligence.

NRS 485.320 - Surrender of license, registration and license plates; owner of dormant vehicle required to cancel registration if policy covering vehicle is cancelled or expires; regulations.

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 485.350 - False or forged policy of insurance, certificate of self-insurance, proof of financial responsibility, evidence of insurance or other document; misrepresentation of documents.

NRS 485.360 - Penalty for other violations.

NRS 485.370 - Applicability.

NRS 485.380 - Self-insurers.

NRS 485.385 - Department to take appropriate action after receipt of correct information.

NRS 485.387 - Suspension of registration does not prevent owner from effecting bona fide sale; rights of vendor, mortgagee or lessor.

NRS 485.390 - Chapter supplemental to laws regarding motor vehicles.

NRS 485.400 - Chapter not retroactive.

NRS 485.410 - Chapter not to prevent other process.

NRS 485.420 - Uniformity of interpretation.