reglab/housing_qa huggingface dataset:
NV Rev Stat § 687B.320 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.320 - Midterm cancellation; exception.

  1. Except as otherwise provided in subsection 3, no insurance policy that has been in effect for at least 70 days or that has been renewed may be cancelled by the insurer before the expiration of the agreed term or 1 year from the effective date of the policy or renewal, whichever occurs first, except on any one of the following grounds:  (a) Failure to pay a premium when due;  (b) Conviction of the insured of a crime arising out of acts increasing the hazard insured against;  (c) Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presentation of a claim thereunder;  (d) Discovery of:  (1) An act or omission; or  (2) A violation of any condition of the policy,  which occurred after the first effective date of the current policy and substantially and materially increases the hazard insured against;  (e) A material change in the nature or extent of the risk, occurring after the first effective date of the current policy, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the policy was issued or last renewed;  (f) A determination by the Commissioner that continuation of the insurer’s present volume of premiums would jeopardize the insurer’s solvency or be hazardous to the interests of policyholders of the insurer, its creditors or the public; or  (g) A determination by the Commissioner that the continuation of the policy would violate, or place the insurer in violation of, any provision of the Code.  2. No cancellation under subsection 1 is effective until in the case of paragraph (a) of subsection 1 at least 10 days and in the case of any other paragraph of subsection 1, at least 30 days after the notice is delivered or mailed to the policyholder.  3. The provisions of this section do not apply to a policy of industrial insurance.  (Added to NRS by 1971, 1724; A 1987, 986; 2003, 3313)
NV Rev Stat § 687B.330 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.330 - Anniversary cancellation.

A policy issued for a term longer than 1 year may be cancelled by the insurer by giving notice of the cancellation:  1. For commercial or business policies, 60 days before any anniversary date of the policy.  2. For all other policies, 30 days before any anniversary date of the policy.  (Added to NRS by 1971, 1725; A 1987, 987)
NV Rev Stat § 687B.340 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.340 - Nonrenewals.

  1. Subject to subsection 2, a policyholder has a right to have his or her policy renewed, on the terms then being applied by the insurer to persons, similarly situated, for an additional period equivalent to the expiring term if the agreed term is 1 year or less, or for 1 year if the agreed term is longer than 1 year, unless:  (a) At least 60 days for commercial or business policies; and  (b) At least 30 days for all other policies,  before the date of expiration provided in the policy the insurer mails or delivers to the policyholder a notice of intention not to renew the policy beyond the agreed expiration date. If an insurer fails to provide a timely notice of nonrenewal, the insurer shall provide the insured with a policy of insurance on the identical terms as in the expiring policy.  2. This section does not apply if the policyholder has accepted replacement coverage or has requested or agreed to nonrenewal, or if the policy is expressly designated as nonrenewable by a clause approved or deemed to be approved by the Commissioner.  (Added to NRS by 1971, 1725; A 1971, 1950; 1987, 987)
NV Rev Stat § 687B.345 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.345 - Annual review of coverage and benefits provided in policy.

Each insurer who delivers a policy in this state which is effective for 1 year or more may, for the period in which the policy is effective, review annually with the policyholder to whom the policy is delivered the coverage and benefits provided in the policy.  (Added to NRS by 1995, 1747)
NV Rev Stat § 687B.350 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.350 - Renewal with altered terms.

  1. Except as otherwise provided in subsection 2, an insurer shall not renew a policy on different terms, including different rates, unless the insurer notifies the insured in writing of the different terms or rates at least 30 days before the expiration of the policy. If the insurer fails to provide adequate and timely notice, the insurer shall renew the policy at the expiring terms and rates:  (a) For a period that is equal to the expiring term if the agreed term is 1 year or less; or  (b) For 1 year if the agreed term is more than 1 year.  2. The provisions of this section do not apply to a change in the rate for a policy of industrial insurance which is based on:  (a) A change to a prospective loss cost filed by the Advisory Organization pursuant to NRS 686B.177 that is applicable to the risk; or  (b) A correction based on the experience that is applicable to the risk in accordance with the Uniform Plan for Rating Experience filed with the Commissioner pursuant to NRS 686B.177.  (Added to NRS by 1971, 1725; A 1995, 1747; 2003, 3314; 2007, 3322)
NV Rev Stat § 687B.355 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.355 - Information about claims paid on behalf of policyholder; regulations.

  1. If a policyholder requests information for the renewal of his or her policy, an insurer shall provide to the policyholder information regarding claims paid on behalf of the policyholder. The information must be provided within 30 working days after the insurer receives a written request from the policyholder. The insurer may charge the policyholder a reasonable fee for the information.  2. The Commissioner may adopt regulations to carry out the provisions of subsection 1.  (Added to NRS by 1991, 2033)
NV Rev Stat § 687B.360 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.360 - Information about grounds.

If a notice of cancellation or nonrenewal under NRS 687B.310 to 687B.420, inclusive, does not state with reasonable precision the facts on which the insurer’s decision is based, the insurer shall supply that information within 6 days after receipt of a written request by the policyholder. No notice is effective unless it contains adequate information about the policyholder’s right to make such a request.  (Added to NRS by 1971, 1725; A 1971, 1950; 1993, 2399; 2003, 3314)
NV Rev Stat § 687B.370 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.370 - Information about applying for insurance through certain plans; exception.

Except for a notice of cancellation for the failure to pay a premium when due, no notice required pursuant to NRS 687B.310 to 687B.420, inclusive, is effective unless it contains adequate instructions enabling the policyholder to apply for insurance through any voluntary or mandatory risk-sharing plan established pursuant to NRS 686B.180 and 686B.200 existing at the time of the notice, for which the policyholder may be eligible.  (Added to NRS by 1971, 1726; A 1985, 577; 1993, 2400; 2003, 3314)
NV Rev Stat § 687B.380 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.380 - Immunity.

There is no liability on the part of and no cause of action of any nature may arise against any insurer, its authorized representative, its agents, its employees, or any person furnishing to the insurer information as to reasons for cancellation or nonrenewal, for any statement made by them in complying with NRS 687B.310 to 687B.420, inclusive, or for the providing of information pertaining thereto.  (Added to NRS by 1971, 1726; A 1993, 2400; 2003, 3315)
NV Rev Stat § 687B.385 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.385 - Refusal to issue, cancellation, nonrenewal or increase in premium due to claims for which insured was not at fault, claims for which insurer made no payment or recovered entirety of payment or inquiries relating to a claim prohibited.

An insurer shall not refuse to issue, cancel, refuse to renew or increase the premium for renewal of a policy of motor vehicle insurance covering private passenger cars or commercial vehicles as a result of any:  1. Claims made under any policy of insurance with respect to which the insured was not at fault;  2. Claims made under any policy of insurance for which the insurer has not made any payment or for which the insurer recovered the entirety of the insurer’s payment on the claim by means of salvage, subrogation or another mechanism; or  3. Inquiries made regarding an actual or potential claim under any policy of insurance regarding:  (a) The existence of insurance coverage for any matter; or  (b) Any hypothetical or informational matter pertaining to insurance.  (Added to NRS by 1987, 1063; A 1997, 3033; 2017, 2354)
NV Rev Stat § 687B.390 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.390 - Cancellation or nonrenewal on sole basis of age, residence, race, color, creed, national origin, ancestry, sexual orientation, gender identity or expression or occupation prohibited.

No insurer shall cancel or refuse to renew an automobile liability insurance policy solely because of the age, residence, race, color, creed, national origin, ancestry, sexual orientation, gender identity or expression or occupation of anyone who is an insured.  (Added to NRS by 1971, 1726; A 2017, 1080)
NV Rev Stat § 687B.400 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.400 - Discrimination on sole basis of age prohibited; burden of proof; exception.

  1. No insurer shall refuse to issue, reduce liability limits of, or increase the premium of any automobile liability insurance policy issued to a resident of this state for the sole reason that the policyholder has reached a certain age.  2. Where age is a factor in an increase of rates for an individual policyholder, the increase must be justified to the Commissioner and the burden of proving justification is on the insurer. If a medical examination is required for the purpose of a rate increase, such examination shall be at the expense of the insurer.  3. This section does not apply to applicants and policyholders under the age of 25 years.  (Added to NRS by 1973, 251)
NV Rev Stat § 687B.402 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.402 - Compliance with certain federal laws regarding genetic information.

An insurer or other organization providing health coverage pursuant to chapter 689A, 689B, 689C, 695A, 695B, 695C, 695D or 695F of NRS shall comply with the provisions of the Genetic Information Nondiscrimination Act of 2008, Public Law 110-233, and any federal regulations issued pursuant thereto.  (Added to NRS by 2009, 1785)
NV Rev Stat § 687B.404 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.404 - Compliance with certain federal laws regarding mental health and addiction.

An insurer or other organization providing health coverage pursuant to chapter 689B, 695A, 695B, 695C or 695F of NRS shall comply with the provisions of the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008, Public Law 110-343, Division C, Title V, Subtitle B, and any federal regulations issued pursuant thereto.  (Added to NRS by 2009, 1785)
NV Rev Stat § 687B.406 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.406 - Compliance with certain federal laws regarding dependent students.

An insurer or other organization providing health coverage pursuant to chapter 689B, 689C, 695A, 695B, 695C or 695F of NRS shall comply with the provisions of Michelle’s Law, Public Law 110-381, and any federal regulations issued pursuant thereto.  (Added to NRS by 2009, 1785)
NV Rev Stat § 687B.407 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.407 - Authority of nonprofit health benefit plan regarding prescription drugs. [Effective January 1, 2020.]

  1. A nonprofit health benefit plan may use the list of preferred prescription drugs developed by the Department of Health and Human Services pursuant to subsection 1 of NRS 422.4025 as its formulary and obtain prescription drugs through the purchasing agreements negotiated by the Department pursuant to that section by notifying the Department in the form prescribed by the Department.  2. As used in this section "health benefit plan" has the meaning ascribed to it in NRS 422.4021.  (Added to NRS by 2019, 4032, effective January 1, 2020)
NV Rev Stat § 687B.408 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.408 - Notifications required concerning changes related to prescription drugs used for transplanted organs.

If a policy of health insurance issued pursuant to chapter 689A, 689B, 689C, 695A, 695B, 695C or 695G of NRS includes coverage for a prescription drug that is necessary for an insured to prevent the rejection of a transplanted organ, the insurer must notify the insured and, if known, the physician of the insured who prescribed the drug at least 30 days before a change in the formulary of the insurer within the plan year which affects that prescription becomes effective.  (Added to NRS by 2009, 1785)
NV Rev Stat § 687B.4095 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.4095 - Policies of health insurance including prescription drug coverage: Restrictions on moving prescription drug from lower-cost tier to higher-cost tier.

  1. If a policy of health insurance issued to an individual pursuant to chapter 689A, 695B or 695C of NRS includes coverage for a prescription drug pursuant to a formulary with more than one cost tier, the insurer may move the prescription drug from a lower cost tier to a higher cost tier only:  (a) On January 1; and  (b) On any date on which the insurer adds to the formulary a generic prescription drug that:  (1) Has been approved by the Food and Drug Administration for use as an alternative to the original prescription drug; and  (2) Is being added to the formulary at:  (I) The same cost tier from which the original prescription drug is being moved; or  (II) A cost tier which has a smaller deductible, copayment or coinsurance than the cost tier from which the original prescription drug is being moved.  2. If a policy of health insurance issued to a small employer pursuant to chapter 689C, 695B or 695C of NRS includes coverage for a prescription drug pursuant to a formulary with more than one cost tier, the insurer may move the prescription drug from a lower cost tier to a higher cost tier only:  (a) On January 1;  (b) On July 1; and  (c) On any date on which the insurer adds to the formulary a generic prescription drug that:  (1) Has been approved by the Food and Drug Administration for use as an alternative to the original prescription drug; and  (2) Is being added to the formulary at:  (I) The same cost tier from which the original prescription drug is being moved; or  (II) A cost tier which has a smaller deductible, copayment or coinsurance than the cost tier from which the original prescription drug is being moved.  3. The provisions of this section do not prevent an insurer, at any time, from:  (a) Moving a prescription drug from a higher cost tier of a formulary to a lower cost tier of the formulary;   (b) Removing a prescription drug from a formulary; or   (c) Adding a prescription drug to a formulary.  4. This section does not apply to a grandfathered plan.  5. The provisions of this section must not be construed to limit the conditions under which a pharmacist is otherwise authorized or required by law to substitute:  (a) A generic drug for a drug prescribed by brand name; or  (b) An interchangeable biological product for a biological product prescribed by brand name.  6. As used in this section:  (a) "Biological product" has the meaning ascribed to it in NRS 639.0017.  (b) "Individual carrier" has the meaning ascribed to it in NRS 689A.550.  (c) "Insurer" includes, without limitation:  (1) An individual carrier; and  (2) A governmental entity which offers, administers or otherwise provides a policy of health insurance.  (d) "Interchangeable biological product" has the meaning ascribed to it in NRS 639.00855.  (e) "Small employer" has the meaning ascribed to it in NRS 689C.095.  (Added to NRS by 2017, 1507)
NV Rev Stat § 687B.410 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.410 - Withdrawal of insurance for particular class of insureds: Notice; administrative review.

  1. An insurer which intends to withdraw from providing insurance for a particular class of insureds shall notify the Commissioner of that intention at least 60 days before the notice of cancellation or nonrenewal is delivered or mailed to the insureds.  2. Upon receipt of a written request from an insured, the Division shall, within 15 days after the receipt of the request, review the ground for cancellation or nonrenewal. If after the review the Division fails to find that the insurer can demonstrate the grounds for cancellation or nonrenewal by clear and convincing evidence, the cancellation or nonrenewal shall be deemed withdrawn by the insurer and the policy reinstated or renewed. Such a request for review by the Division must be made within 30 days after the insured receives the notice of cancellation or nonrenewal.  (Added to NRS by 1987, 985; A 1991, 1631; 1993, 1918)
NV Rev Stat § 687B.420 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.420 - Notice of proposed cancellation, nonrenewal or alteration of terms of certain policies, contracts or plans of insurance.

  1. An insurer shall not cancel, fail to renew or renew with altered terms a policy or contract issued pursuant to chapter 688B, 689A, 689B, 689C, 695A, 695B, 695C, 695D or 695F of NRS unless notice in writing of the proposal is given to the insured at least 60 days before the date the proposed action becomes effective. The notice must include, without limitation, any changes in specific rates by line of coverage.  2. An insurer shall not cancel, fail to renew or renew with altered terms an individual health benefit plan that is not grandfathered pursuant to applicable law unless notice in writing of the proposal is given to the insured at least 30 days before the beginning of the open enrollment period described in NRS 686B.080. The notice must include the specific changes in terms or rates, as applicable.  (Added to NRS by 1989, 1248; A 1993, 1982, 2400, 2405; 2015, 3477)
NV Rev Stat § 687B.430 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.430 - Regulations: Policies which provide for payment of expenses not covered by Medicare; sale of more than one policy of health insurance to same person.

  1. The Commissioner may adopt regulations relating to the form, content and sale of policies of insurance which provide for the payment of expenses which are not covered by Medicare.  2. The Commissioner may adopt regulations relating to the sale of more than one policy of health insurance to the same person.  3. As used in this section, "Medicare" means the program of health insurance for aged persons and persons with disabilities established pursuant to Title XVIII of the Social Security Act (42 U.S.C. §§ 1395 et seq.).  (Added to NRS by 1993, 2398)
NV Rev Stat § 687B.440 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.440 - Umbrella policies: Disclosure statement indicating whether policy includes uninsured or underinsured motorist coverage; form.

  1. An insurer offering an umbrella policy to an individual shall obtain a signed disclosure statement from the individual indicating whether the umbrella policy includes uninsured or underinsured vehicle coverage.  2. The disclosure statement for an umbrella policy that includes uninsured or underinsured vehicle coverage must be on a form provided by the Commissioner or in substantially the following form: UMBRELLA POLICY DISCLOSURE STATEMENT UNINSURED/UNDERINSURED VEHICLE COVERAGE ¨ Your Umbrella Policy does provide coverage in excess of the limits of the uninsured/underinsured vehicle coverage in your primary auto insurance only if the requirements for the uninsured/underinsured vehicle coverage in your underlying auto insurance are maintained. Your uninsured/underinsured vehicle coverage provided by this umbrella policy is limited to $........ . I understand and acknowledge the above disclosure. .................................................. ...............................  Insured Date  3. The disclosure statement for an umbrella policy that does not include uninsured or underinsured vehicle coverage must be on a form provided by the commissioner or in substantially the following form: ¨ Your Umbrella Liability Policy does not provide any uninsured/underinsured vehicle coverage. I understand and acknowledge the above disclosure. .................................................. ...............................  Insured Date  4. As used in this section, "umbrella policy" means a policy that protects a person against losses in excess of the underlying amount required to be covered by other policies.  (Added to NRS by 1997, 3031; A 1999, 2801)
NV Rev Stat § 687B.450 (2021)
2021 Nevada Revised Statutes|Chapter 687B - Contracts of Insurance|NRS 687B.450 - Required medical examination; potentially serious medical condition; notification.

  1. Except as otherwise provided in this subsection, if an insurer requires a medical examination of an applicant or an insured before the issuance, renewal, reinstatement or reevaluation of the terms of any policy or certificate of insurance or annuity contract, the insurer shall:  (a) If the applicant or insured has a primary care physician, notify:  (1) The physician of any potentially serious medical condition that is detected as a result of that medical examination; and  (2) The applicant or insured:  (I) Of any potentially serious medical condition that is detected as a result of that medical examination; and  (II) That the primary care physician of the applicant or insured has also been notified of any potentially serious medical condition detected as a result of that medical examination.  (b) If the applicant or insured does not have a primary care physician, notify the applicant or insured of any potentially serious medical condition that is detected as a result of that medical examination.  Any notice required pursuant to this section must be sent by registered or certified mail not later than 30 days after the date on which the potentially serious medical condition is detected. If the applicant or insured is under the age of 18 years, any notice required pursuant to this section must not be sent to the applicant or insured, but instead must be sent to a parent or legal guardian of the applicant or insured.  2. The Commissioner may adopt regulations to carry out the provisions of this section.  3. The provisions of this section do not apply to a policy of workers’ compensation insurance or industrial insurance.  4. As used in this section, "potentially serious medical condition" includes, without limitation, any medical condition that:  (a) Is life-threatening or potentially life-threatening if it is not treated immediately or is not closely monitored; or  (b) Causes the insurer to refuse to issue, renew, reinstate or reevaluate the terms of a policy or certificate of insurance or annuity contract.  (Added to NRS by 2007, 249)