Nevada Revised Statutes

Nev. Rev. Stat. § 482.305 (2026)

Short-term lessor not providing coverage jointly and severally liable with short-term lessee for certain damages; notice to lessee of extent of coverage; dismissal of action against lessor if coverage provided

✓ current as of July 2026
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NRS 482.305  Short-term lessor not providing coverage jointly and severally liable with short-term lessee for certain damages; notice to lessee of extent of coverage; dismissal of action against lessor if coverage provided.

      1.  The short-term lessor of a motor vehicle who permits the short-term lessee to operate the vehicle upon the highways, and who has not complied with NRS 482.295 insuring or otherwise covering the short-term lessee against liability arising out of his or her negligence in the operation of the rented vehicle in limits of not less than $25,000 for any one person injured or killed and $50,000 for any number more than one, injured or killed in any one crash, and against liability of the short-term lessee for property damage in the limit of not less than $20,000 for one crash, is jointly and severally liable with the short-term lessee for any damages caused by the negligence of the latter in operating the vehicle and for any damages caused by the negligence of any person operating the vehicle by or with the permission of the short-term lessee, except that the foregoing provisions do not confer any right of action upon any passenger in the rented vehicle against the short-term lessor. This section does not prevent the introduction as a defense of contributory negligence to the extent to which this defense is allowed in other cases.

      2.  The policy of insurance, surety bond or deposit of cash or securities inures to the benefit of any person operating the vehicle by or with the permission of the short-term lessee in the same manner, under the same conditions and to the same extent as to the short-term lessee.

      3.  The insurance policy, surety bond or deposit of cash or securities need not cover any liability incurred by the short-term lessee of any vehicle to any passenger in the vehicle; but the short-term lessor before delivering the vehicle shall give to the short-term lessee a written notice of the fact that such a policy, bond or deposit does not cover the liability which the short-term lessee may incur on account of his or her negligence in the operation of the vehicle to any passenger in the vehicle.

      4.  When any suit or action is brought against the short-term lessor under this section, the judge before whom the case is pending shall hold a preliminary hearing in the absence of the jury to determine whether the short-term lessor has provided insurance or a surety bond or deposit of cash or securities covering the short-term lessee as required by subsection 1. Whenever it appears that the short-term lessor has provided insurance or a surety bond or deposit of cash or securities covering the short-term lessee in the required amount, the judge shall dismiss as to the short-term lessor the action brought under this section.

      [Part 20:202:1931; 1931 NCL § 4435.19]—(NRS A 1967, 705; 1973, 771; 1987, 669; 2015, 1626; 2017, 1339)

     

Notes of Decisions
Cited in 12 cases (6 in the last 5 years), 1992–2025 · leading case: Hall v. Enter. Leasing Co., 137 P.3d 1104 (Nev. 2006).
Hall v. Enter. Leasing Co., 137 P.3d 1104 (Nev. 2006). · cites it 16× “295 and NRS 482.305; this minimum coverage provided limits of $15,000 per person injured and $30,000 total for two or more persons injured in a single accident.”
Salas v. Allstate Rent-A-Car, Inc., 14 P.3d 511 (Nev. 2000). · cites it 9× “In response to the Salases’ complaint, Allstate filed a motion for summary judgment arguing primarily that it had no obligation to appellants because CSAA had paid an amount equal to the minimum liability limits set by NRS 482.”
Cates v. Creamer, 431 F.3d 456 (5th Cir. 2005). “1999); Nev.Rev.Stat. § 482.305. . See Burton v. Gardner Motors, Inc.”
Nelson v. Planet Ins., 906 P.2d 703 (Nev. 1995). · cites it 6× “Nelson argues that NRS 482.305 imposes liability on Sun Belt, but his reliance on this statute is misplaced.”
Malco Enter. of Nv, Inc. v. Woldeyohannes, 140 Nev. Adv. Op. No. 76 (Nev. 2024). · cites it 29× “SUPREME COURT OF NEVA DA 264- 146313 1 ,147A OPINION By the Court, PARRAGUIRRE, NRS 482.305 holds short-term lessors of motor vehicles who fail to provide minimum insurance coverage to lessees jointly and severally liable for damages caused by a lessee's negligence.”
Budget Rent-A-Car v. Eighth Jud. Dist. Court of the State of Nevada, 835 P.2d 17 (Nev. 1992). “Huntoon alleged that petitioner violated Nevada’s short-term lessor statute, NRS 482.305, and that petitioner negligently entrusted the rental car to Williams because Williams’ driver’s license had been revoked on or before the date Williams had rented the car.”
Stevens v. Penske Truck Leasing Co., L.P. (Nev. 2017). · cites it 21× “In response, Penske filed a motion for summary judgment, arguing that NRS 482.305 precludes joint and several liability when it has insured or otherwise covered the short-term lessee and is prepared to tender those amounts to the district court.”
Malco Enter. of Nevada, Inc. v. De La Cruz Ortega (D. Nev. 2023). · cites it 6× “§ 30106 ; 16 (2) NRS 482.305 is in direct contravention of 49 U.”
Malco Enter. of Nv, Inc. v. Woldeyohannes, 140 Nev. Adv. Op. No. 76 (Nev. 2024). · cites it 5× “The opinion resolves a matter of first impression regarding whether NRS 482.305 is preempted by the Graves Amendment, codified at 49 U.”
Mumpower v. Malco Enter. of Nevada, Inc. (D. Nev. 2023). · cites it 4× “Malco fails to show that the Graves Amendment is extraordinarily preemptive. 12 Malco suggests that the Graves Amendment deserves the fourth spot on that exclusive list 13 because it “completely preempts” NRS 482.”
Malco Enter. of Nevada, Inc. v. Chen (D. Nev. 2023). · cites it 3× “16 Malco—anticipating a lawsuit brought by Chen to hold it liable for its lessee’s negligence— 17 preemptively filed a complaint in this court, citing federal-question jurisdiction (28 U.”
Windom (D. Nev. 2025). · cites it 2× “They 7 further allege that “PV Holding Corporation breached that duty when failed in its financial 8 responsibility according to NRS 482.305 when it failed or declined to provide such required 9 coverage to Plaintiffs.”
— Nev. Rev. Stat. § 482.305(1) — 4 cases
Salas v. Allstate Rent-A-Car, Inc., 14 P.3d 511 (Nev. 2000). “In response to the Salases’ complaint, Allstate filed a motion for summary judgment arguing primarily that it had no obligation to appellants because CSAA had paid an amount equal to the minimum liability limits set by NRS 482.”
Hall v. Enter. Leasing Co., 137 P.3d 1104 (Nev. 2006). “295 and NRS 482.305; this minimum coverage provided limits of $15,000 per person injured and $30,000 total for two or more persons injured in a single accident.”
Nelson v. Planet Ins., 906 P.2d 703 (Nev. 1995). “Nelson argues that NRS 482.305 imposes liability on Sun Belt, but his reliance on this statute is misplaced.”
Malco Enter. of Nv, Inc. v. Woldeyohannes, 140 Nev. Adv. Op. No. 76 (Nev. 2024). “SUPREME COURT OF NEVA DA 264- 146313 1 ,147A OPINION By the Court, PARRAGUIRRE, NRS 482.305 holds short-term lessors of motor vehicles who fail to provide minimum insurance coverage to lessees jointly and severally liable for damages caused by a lessee's negligence.”
— Nev. Rev. Stat. § 482.305(4) — 3 cases
Hall v. Enter. Leasing Co., 137 P.3d 1104 (Nev. 2006). “295 and NRS 482.305; this minimum coverage provided limits of $15,000 per person injured and $30,000 total for two or more persons injured in a single accident.”
Stevens v. Penske Truck Leasing Co., L.P. (Nev. 2017). “In response, Penske filed a motion for summary judgment, arguing that NRS 482.305 precludes joint and several liability when it has insured or otherwise covered the short-term lessee and is prepared to tender those amounts to the district court.”
Malco Enter. of Nv, Inc. v. Woldeyohannes, 140 Nev. Adv. Op. No. 76 (Nev. 2024). “SUPREME COURT OF NEVA DA 264- 146313 1 ,147A OPINION By the Court, PARRAGUIRRE, NRS 482.305 holds short-term lessors of motor vehicles who fail to provide minimum insurance coverage to lessees jointly and severally liable for damages caused by a lessee's negligence.”
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