In a tort system, also called a fault-based system, drivers who cause accidents are liable for the damages that result. As such, a victim of a crash may file a claim against the at-fault driver’s insurance, or even file a lawsuit for damages directly against the at-fault driver. While an upside of a tort system is that one’s full extent of damages can be sought from an at-fault party, the downside of this system is that if a person is at-fault for their accident and injuries, they cannot recover compensation.
In a no-fault system, however, drivers turn to their own insurance company first after an accident for compensation (typically for medical payments, and sometimes property damage and lost wages, too) regardless of fault. As such, even drivers who cause accidents can be compensated for their medical bills.
The state of Nevada maintains a tort liability system, or at-fault system. If you are in a crash, you can file a claim directly with the insurance company of the responsible driver.