Nev. Rev. Stat. » NRS: CHAPTER 485 - MOTOR VEHICLES: INSURANCE AND FINANCIAL RESPONSIBILITY

Nev. Rev. Stat. § 485.3091

Motor vehicle liability policy: Requirements

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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)

     

Notes of Decisions
Cited in 36 cases (4 in the last 5 years), 1965–2025 · leading case: Jones v. Shelter Mutual Insurance Companies
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Jones v. Shelter Mutual Insurance Companies (2007) neb · cites it 2× “§ 61-6-103 (2005); Nev. Rev. Stat. § 485.3091 (2005); N.H. Rev.”
Commercial Union Insurance v. Johnson (1988) ark · cites it 4× “3091, subsection 2(b), of the Safety Responsibility Act, declares in part that every such insurance policy shall "[i]nsure the person named therein and any other person, as insured, using any such motor vehicle or motor vehicles with the express or implied permission of such…”
Federated American Insurance v. Granillo (1992) nev · cites it 6× “Omaha later requested reimbursement from Federated for *562 Bernardo’s accident contending that, under NRS 485.3091(1), 1 individual exclusions are valid only for claims exceeding the statutory minimum of $15,000.”
Rando v. California State Automobile Ass'n (1984) nev · cites it 3× “NRS 485.3091. 1 Out statutes, however, do not require an *314 insured to maintain liability coverage in excess of the minimum amounts specified under Nevada law.”
Continental Insurance v. Murphy (2004) nev · cites it 3× “We note as a threshold matter that the parties contest whether the policy in question is an “owner’s” or “operator’s” policy under NRS 485.3091. 10 Continental claims that the policy is an “owner’s policy” and, consequently, solely covers accidents involving the insured vehicle.”
United States Fidelity and Guaranty Co. v. Fisher (1972) nev · cites it 4× “The policy contained an omnibus *157 clause naming those persons insured thereunder, as prescribed by NRS 485.3091, subsection 2. 1 The policy issued to Zelda, in naming those insured, included “any other person using such automobile with the permission of the Named Insured,…”
Progressive Northern Insurance Co. v. Corder (2000) ky · cites it 2× “§ 60-538(1); Nev.Rev.Stat.Ann. § 485.3091(5)(a); N.C.Gen.”
Estate of Delmue v. Allstate Insurance Co. (1997) nev · cites it 2× “055 of the Act defines “motor vehicle insurance” while expressly excluding excess insurance: “With respect to a policy which grants excess or additional coverage over that required by NRS 485.3091, the term ‘motor vehicle liability policy ’ applies only to that part of the…”
Salas v. Allstate Rent-A-Car, Inc. (2000) nev “See NRS 485.3091. After settling with CSAA, the Salases filed an action against Allstate alleging that the injuries sustained were greater than the $30,000.”
Arata v. Faubion (2007) nev “In this, they note that, under NRS 485.3091(1)(b), an owner’s policy of liability insurance insures any person using the motor vehicle with the express or implied permission of the named insured.”
Washoe County Board of School Trustees v. Pirhala (1968) nev · cites it 2× “3091(6) (a) which provides: “The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by such motor vehicle liability policy occur * * NRCP 1 which states that the rules shall be…”
Baker v. Criterion Insurance (1991) nev “However, this court concluded that the statutory minimum provided by NRS 485.3091 2 made the car insured and barred recovery of UM/UIM benefits.”
Show all 36 citing cases →
— Nev. Rev. Stat. § 485.3091(1) — 5 cases
Federated American Insurance v. Granillo (1992) nev “Omaha later requested reimbursement from Federated for *562 Bernardo’s accident contending that, under NRS 485.3091(1), 1 individual exclusions are valid only for claims exceeding the statutory minimum of $15,000.”
SIMMONS VS. BRIONES (2017) nev
Progressive Gulf Ins. Co. v. Faehnrich (2014) nev
SIMMONS VS. BRIONES (2017) nev
National Casualty Company v. Sotelo (2021) nvd
— Nev. Rev. Stat. § 485.3091(1)(b) — 1 case
Arata v. Faubion (2007) nev “In this, they note that, under NRS 485.3091(1)(b), an owner’s policy of liability insurance insures any person using the motor vehicle with the express or implied permission of the named insured.”
— Nev. Rev. Stat. § 485.3091(1)(b)(1) — 3 cases
TORRES VS. NEV. DIRECT INSURANCE CO. C/W 61640 (2015) nev
TORRES VS. NEV. DIRECT INSURANCE CO. C/W 61640 (2015) nev
TORRES VS. NEV. DIRECT INSURANCE CO. C/W 61640 (2015) nev
— Nev. Rev. Stat. § 485.3091(2) — 2 cases
Transamerica Ins. v. STATE FARM MUT. AUTO. INS. (1980) nvd
Transamerica Insurance Group v. State Farm Mutual Automobile Insurance (1980) nvd
— Nev. Rev. Stat. § 485.3091(5) — 1 case
Nev. Checker Cab Corp. v. Dist. Ct. (Ferentz) (2016) nev
— Nev. Rev. Stat. § 485.3091(5)(a) — 7 cases
Progressive Northern Insurance Co. v. Corder (2000) ky “§ 60-538(1); Nev.Rev.Stat.Ann. § 485.3091(5)(a); N.C.Gen.”
TORRES VS. NEV. DIRECT INSURANCE CO. C/W 61640 (2015) nev
TORRES VS. NEV. DIRECT INSURANCE CO. C/W 61640 (2015) nev
TORRES VS. NEV. DIRECT INSURANCE CO. C/W 61640 (2015) nev
Spencer v. Nev. Direct Insurance Co. (2015) nev
— Nev. Rev. Stat. § 485.3091(6) — 2 cases
Washoe County Board of School Trustees v. Pirhala (1968) nev “3091(6) (a) which provides: “The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by such motor vehicle liability policy occur * * NRCP 1 which states that the rules shall be…”
Universal Underwriters Insurance Co. v. Snyder (1965) nev
— Nev. Rev. Stat. § 485.3091(6)(a) — 1 case
Washoe County Board of School Trustees v. Pirhala (1968) nev “3091(6) (a) which provides: “The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by such motor vehicle liability policy occur * * NRCP 1 which states that the rules shall be…”
— Nev. Rev. Stat. § 485.3091(l)(b) — 2 cases
Nelson v. Planet Insurance (1995) nev
Philip Johnson v. American Casualty Company of R (2011) ca9
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