reglab/housing_qa huggingface dataset:
NV Rev Stat § 686A.230 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.230 - Illegal dealing in premiums; excess charges for insurance; regulations related to fees of broker, consultant or financial planner; written contract for consultation.

  1. A person shall not willfully collect any sum as a premium or charge for insurance which is not then provided or is not in due course to be provided, subject to acceptance of the risk by the insurer, by an insurance policy issued by an insurer as authorized by this Code.  2. Except as otherwise provided in subsection 3, a person shall not willfully collect as a premium or charge for insurance any sum in excess of the premium or charge applicable to the insurance and as specified in the policy, in accordance with the applicable classifications and rates as filed with and approved by the Commissioner. In cases where classifications, premiums or rates are not required by this Code to be so filed and approved, the premiums and charges must not be in excess of those specified in the policy and as fixed by the insurer. This subsection does not prohibit:  (a) The charging and collection by surplus lines brokers licensed under chapter 685A of NRS of the amount permitted by chapter 685A of NRS and regulations adopted by the Commissioner.  (b) The charging and collection by a life insurer of amounts actually to be expended for the medical examination of any applicant for life insurance or for reinstatement of a life insurance policy.  3. The Commissioner may adopt regulations to allow the charging and collection of a fee by an insurance broker, consultant or financial planner:  (a) In lieu of any other charge or commission for solicitation, negotiation or procurement of a policy of insurance which covers commercial or business risks;  (b) For consultation or any related advice on the insuring of commercial or business risks which does not result in the procurement of a policy of insurance; and  (c) For consultation or related advice on the purchase of individual or group life or health insurance or an individual or group annuity, whether or not it results in the purchase of a policy of insurance or annuity. In such a case, the fee must be set forth in a written contract signed by the client before the consultation begins.  4. An agent or broker who provides consultation or related advice pursuant to this section shall do so pursuant to a written contract specifying the compensation the agent or broker will receive. The compensation may be in addition to or in lieu of a commission and is not a premium as defined in NRS 679A.115.  (Added to NRS by 1971, 1696; A 1981, 1142; 1985, 1549; 1987, 1038; 1995, 1621; 2017, 4004)
NV Rev Stat § 686A.240 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.240 - Favoritism to groups prohibited; exceptions.

  1. No form or plan of insurance covering any group or combination of persons or risks shall be written or delivered within or outside this state to cover persons or risks in this state at any preferred rate or on any form other than as offered to persons not in such group or combination and to the public generally, unless such form, plan of insurance, and the rates or premiums to be charged therefor have been submitted to and approved by the Commissioner.  2. Any such plan of insurance described in subsection 1 shall not be approved by the Commissioner unless it is made available to all individuals of the group who seek to be insured. No insurer or agent shall deny coverage to any individual of such group who seeks the type of insurance which is being made available to other members of the group.  3. This section does not apply to life insurance, health insurance, annuity contracts or wet marine and transportation insurance.  (Added to NRS by 1971, 1942)
NV Rev Stat § 686A.250 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.250 - Use of insurance or annuity as inducement for purchase or rental of property or services prohibited; exceptions.

  1. No person shall arrange, provide or participate in any plan to offer or effect any kind or kinds of insurance or annuities in this state as an inducement to the purchase or rental by the public of any property or services, without a separate charge to the insured for such insurance.  2. This section does not apply to:  (a) Insurance written in connection with a subscription to newspapers of general circulation;  (b) Insurance issued to credit unions or members thereof in connection with the purchase of shares in such credit union;  (c) Insurance offered as guarantee to the performance of goods and designed to protect the purchasers or users of such goods;  (d) Title insurance;  (e) Life or health insurance written in connection with an indebtedness for the purpose of paying the balance of the indebtedness on death or disability of the individual insured; or  (f) Services provided by motor clubs.  (Added to NRS by 1971, 1696)
NV Rev Stat § 686A.260 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.260 - Revocation or suspension of license for violation of laws of other state.

The Commissioner may revoke or suspend the license of any person domiciled or resident in Nevada and licensed to transact insurance in Nevada as insurer, agent, broker or otherwise, upon a hearing and proof that such person, as the result of a hearing before the commissioner, director or superintendent of insurance or insurance department of another state, or in a judicial proceeding in another state, has been found to have violated the insurance laws of that state relating to unfair methods of competition or unfair or deceptive acts or practices in the conduct of the business of insurance, and as a result thereof either has had his or her license revoked or suspended in that state or has been found guilty of failing to comply with any order, decree or judgment issued pursuant to such hearing or judicial proceeding in that state.  (Added to NRS by 1971, 1697)
NV Rev Stat § 686A.270 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.270 - Knowledge of insurer of prohibited acts.

No insurer shall be held guilty of having committed any of the acts prohibited by NRS 686A.010 to 686A.310, inclusive, by reason of the act of any agent, solicitor or employee not an officer, director or department head thereof, unless an officer, director or department head of the insurer has knowingly permitted such act or has had prior knowledge thereof.  (Added to NRS by 1971, 1697)
NV Rev Stat § 686A.280 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.280 - Use of name deceptively implying person is insurer prohibited.

No person who is not an insurer shall assume or use any name which deceptively implies or suggests that it is an insurer.  (Added to NRS by 1971, 1697)
NV Rev Stat § 686A.281 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.281 - Definitions.

As used in NRS 686A.281 to 686A.295, inclusive, unless the context otherwise requires, the words and terms defined in NRS 686A.2815, 686A.282 and 686A.2825 have the meanings ascribed to them in those sections.  (Added to NRS by 1983, 1387; A 1997, 1541; 2001, 1096)
NV Rev Stat § 686A.282 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.282 - "Investigative or law enforcement agency" defined.

Investigative or law enforcement agency includes:  1. The State Fire Marshal;  2. The chief or other officer of the fire department in whose jurisdiction a fire has occurred;  3. The district attorney of the county where any fraudulent activity has occurred or where a fraudulent claim has been made; and  4. Any other officer of an agency in this state who has the authority to investigate the fraudulent activity or claim.  (Added to NRS by 2001, 1096)
NV Rev Stat § 686A.2825 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.2825 - "Practitioner" defined. [Effective through December 31, 2019.]

Practitioner means:  1. A physician, dentist, nurse, dispensing optician, optometrist, physical therapist, podiatric physician, psychologist, chiropractor, doctor of Oriental medicine in any form, director or technician of a medical laboratory, pharmacist or other provider of health services who is authorized to engage in his or her occupation by the laws of this state or another state; and  2. An attorney admitted to practice law in this state or any other state.  (Added to NRS by 2001, 1096)
NV Rev Stat § 686A.2825 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.2825 - "Practitioner" defined. [Effective January 1, 2020.]

Practitioner means:  1. A physician, dentist, nurse, dispensing optician, optometrist, physical therapist, podiatric physician, psychologist, chiropractor, doctor of Oriental medicine in any form, director or technician of a medical laboratory, pharmacist, person who holds a license to engage in radiation therapy and radiologic imaging or a limited license to engage in radiologic imaging pursuant to chapter 653 of NRS or other provider of health services who is authorized to engage in his or her occupation by the laws of this state or another state; and  2. An attorney admitted to practice law in this state or any other state.  (Added to NRS by 2001, 1096; A 2019, 2739, effective January 1, 2020)
NV Rev Stat § 686A.283 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.283 - Reporting requirements; duties of Commissioner and Attorney General; prosecution by district attorney.

  1. Any person, governmental entity, insurer or authorized representative of an insurer shall report any information concerning insurance fraud to the Commissioner and Attorney General on a form prescribed by the Commissioner and Attorney General.  2. The Commissioner and Attorney General shall each independently:  (a) Review each report of insurance fraud; and  (b) Determine whether an investigation should be made of the facts in the report.  3. During their respective investigations, the Commissioner and Attorney General shall independently determine whether there is probable cause to believe that insurance fraud has occurred.  4. A district attorney of any county where fraudulent activity has occurred or is occurring or where a fraudulent claim that would constitute insurance fraud has been made may, with the permission of the Attorney General or at the request of the Attorney General, institute proceedings in the name of the State of Nevada.  (Added to NRS by 1983, 1387; A 2001, 1097)
NV Rev Stat § 686A.285 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.285 - Report by insurer of suspicion that loss to insured was caused by other than accidental or natural occurrence.

  1. If an insurer has a reasonable suspicion that a loss to an insured may have been caused by other than an accidental or a natural occurrence, the insurer shall notify the Commissioner and Attorney General in writing of the insurer’s reasons for the suspicion.  2. Any insurer making such a report shall provide the Commissioner and Attorney General with any information the insurer obtained during its investigation of the claim.  3. If the loss referred to in subsection 1 is believed to be caused by fire, the insurer shall also so notify an investigative or law enforcement agency.  (Added to NRS by 1983, 1387; A 2001, 1097)
NV Rev Stat § 686A.287 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.287 - Provision by insurer of information concerning fraud upon request by Attorney General, Commissioner or certain agencies.

  1. Every insurer shall provide information concerning insurance fraud to the Attorney General, the Commissioner, any investigative or law enforcement agency or any agency of the Federal Government, if the insurer receives a request in writing for that information.  2. The information requested from an insurer may include:  (a) Information about the policy of insurance on the property which was demolished or destroyed, including information from the application for insurance;  (b) Information on previous claims made by the insured;  (c) Records of the premiums paid for the policy of insurance; and  (d) Information concerning the insurer’s investigation of the claim, including statements of any person, information submitted as proof of the loss or any other relevant information on the claim.  (Added to NRS by 1983, 1387; A 2001, 1097)
NV Rev Stat § 686A.289 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.289 - Provision to insurer of information concerning fraud upon completion of investigation or prosecution; confidentiality of information.

  1. Any insurer giving information to the Attorney General, the Commissioner or any investigative or law enforcement agency concerning an act or omission alleged to be insurance fraud is entitled to receive, upon completion of the investigation or prosecution of the insurance fraud, whichever occurs later, any relevant information concerning the fraudulent activity.  2. The Attorney General, the Commissioner or any investigative or law enforcement agency receiving information from another person, agency or insurer shall:  (a) Keep the information confidential and not release the information except pursuant to subsection 1 and NRS 239.0115;  (b) Provide information concerning its investigation of the insurance fraud to the insurer reporting the fraudulent activity upon the completion of its investigation or a criminal prosecution, whichever occurs later; and  (c) Provide any documents necessary or allow its employees or agents to testify in any action by or against the insurer if the insurer or its insured furnished the information for the investigation or a criminal prosecution.  (Added to NRS by 1983, 1388; A 2001, 1097; 2007, 2157)
NV Rev Stat § 686A.290 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.290 - Applications for insurance: Prohibited acts and penalties.

  1. A producer of insurance, examining physician, applicant or other person shall not knowingly or willfully make any false or fraudulent statement or representation in or with reference to any application for insurance.  2. A person who violates this section is guilty of a category D felony and shall be punished as provided in NRS 193.130. In addition to any other penalty, the court shall order the person to pay restitution.  (Added to NRS by 1971, 1697; A 1977, 153; 1983, 1388; 1995, 1318; 2017, 2340)
NV Rev Stat § 686A.291 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.291 - Criminal penalty for insurance fraud.

A person who commits insurance fraud is guilty of a category D felony and shall be punished as provided in NRS 193.130.  (Added to NRS by 1983, 1388; A 1991, 1042; 1995, 1318, 2698; 1997, 1541; 2001, 1098)
NV Rev Stat § 686A.292 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.292 - Additional penalties for insurance fraud; payment of expenses of Fraud Control Unit; persons who are victims for purposes of restitution.

  1. A court may, in addition to imposing the penalties set forth in NRS 193.130, order a person who is convicted of, or who pleads guilty, guilty but mentally ill or nolo contendere to, insurance fraud to pay:  (a) Court costs; and  (b) The cost of the investigation and prosecution of the insurance fraud for which the person was convicted or to which the person pleaded guilty, guilty but mentally ill or nolo contendere.  2. Any money received by the Attorney General pursuant to paragraph (b) of subsection 1 must be accounted for separately and used to pay the expenses of the Fraud Control Unit for Insurance established pursuant to NRS 228.412, and is hereby authorized for expenditure for that purpose. The money in the account does not revert to the State General Fund at the end of any fiscal year and must be carried forward to the next fiscal year.  3. An insurer or other organization, or any other person, subject to the jurisdiction of the Commissioner pursuant to this title shall be deemed to be a victim for the purposes of restitution in a case that involves insurance fraud or that is related to a claim of insurance fraud.  (Added to NRS by 2001, 1096; A 2007, 1481)
NV Rev Stat § 686A.295 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.295 - Commissioner and Attorney General to notify agency when person licensed by or registered with agency is convicted of insurance fraud.

If a person who is licensed or registered under the laws of the State of Nevada to engage in a business or profession is convicted of, or pleads guilty or guilty but mentally ill to, engaging in an act of insurance fraud, the Commissioner and the Attorney General shall forward to each agency by which the convicted person is licensed or registered a copy of the conviction or plea and all supporting evidence of the act of insurance fraud.  (Added to NRS by 1997; 1540; A 2001, 1099; 2007, 1481; 2013, 1632)
NV Rev Stat § 686A.300 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.300 - Delay in payment of claim for damages to motor vehicle after receipt of statement of charges prohibited; settling claim without providing for repair of vehicle permitted; exception.

  1. An insurer who issues insurance covering damage to a motor vehicle shall not delay making payment for any claim involving damage to a motor vehicle after receiving a statement of charges, pursuant to the provisions of NRS 487.6893, from any garage or licensed body shop previously authorized by the insured to perform the repairs required by that claim.  2. A delay, within the meaning of this section, is failure to issue a check or draft, payable to the garage or licensed body shop or jointly to the insured and the garage or licensed body shop, within 30 days after the insurer’s receipt of the statement of charges for repairs which have been satisfactorily completed.  3. If the damaged vehicle is subject to a security interest or the legal owner of the damaged vehicle is different from the registered owner, the vehicle must be repaired by a garage or licensed body shop unless:  (a) The insurer has declared the vehicle a total loss; or  (b) The total charge for the repair of the vehicle, as set forth in the statement of charges presented pursuant to NRS 487.6893, is $300 or less.  4. Except as otherwise provided in subsection 3, nothing in this section shall be deemed to prohibit an insurer and insured from settling a claim involving damage to a motor vehicle without providing for the repair of the vehicle.  5. As used in this section, "licensed body shop" means a body shop for which a license has been issued pursuant to chapter 487 of NRS.  (Added to NRS by 1973, 977; A 1987, 1098; 1993, 338; 2007, 3421; 2009, 2538, 2732)
NV Rev Stat § 686A.313 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.313 - Required coordination by multiple insurers for certain dental claims; denial of claim prohibited; regulations.

  1. The following provisions apply to a claim for payment submitted for services provided by an oral and maxillofacial surgeon which may be covered, in whole or in part, by a stand-alone dental benefit and a policy of health insurance:  (a) If a claimant is covered by a stand-alone dental benefit and a policy of health insurance, the stand-alone dental benefit is the primary policy and the claim must be first submitted to the health insurer that issued the stand-alone dental benefit. The issuer of the secondary policy may not reduce benefits based upon payments under the primary policy, except to avoid overpayment to the oral and maxillofacial surgeon.  (b) Except as otherwise provided in paragraph (a), a health insurer may not deny a claim for which it has liability solely on the basis that another health insurer has liability to pay the claim.  2. The Commissioner may adopt regulations necessary to carry out the provisions of this section.  3. As used in this section:  (a) "Oral and maxillofacial surgeon" means a dentist who has been issued a specialist’s license to practice oral and maxillofacial surgery pursuant to NRS 631.250 and who provides any of the services described in paragraph (c) of subsection 1 of NRS 631.215.  (b) "Stand-alone dental benefit" means any policy which only pays for or reimburses any part of the cost of dental care, as defined in NRS 695D.030, and is offered or issued separately from any policy of health insurance.  (Added to NRS by 2015, 2120)
NV Rev Stat § 686A.315 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.315 - Notice required with certain billing and claim forms submitted to insurers.

  1. If a hospital submits to an insurer the form prescribed by the Director of the Department of Health and Human Services pursuant to NRS 449.485, that form must contain or be accompanied by a statement that reads substantially as follows:  Any person who misrepresents or falsifies essential information requested on this form may, upon conviction, be subject to a fine and imprisonment under state or federal law, or both.  2. If a person who is licensed to practice one of the health professions regulated by title 54 of NRS submits to an insurer the form commonly referred to as the "HCFA-1500" for a patient who is not covered by any governmental program which offers insurance coverage for health care, the form must be accompanied by a statement that reads substantially as follows:  Any person who knowingly files a statement of claim containing any misrepresentation or any false, incomplete or misleading information may be guilty of a criminal act punishable under state or federal law, or both, and may be subject to civil penalties.  3. The failure to provide any of the statements required by this section is not a defense in a prosecution for insurance fraud pursuant to NRS 686A.291.  (Added to NRS by 1991, 1042; A 1991, 1978; 2001, 1099; 2007, 661)
NV Rev Stat § 686A.325 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.325 - Settlement of third-party liability claims; written notice of payment; failure to serve notice.

  1. In any third-party liability claim, an insurer shall not issue a check or draft or otherwise make payment of $5,000 or more in settlement of the claim to a representative of the claimant, including, without limitation, the lawyer for the claimant, unless the insurer, at the time of making the payment or as soon as practicable thereafter, mails written notice of the payment to the claimant at the last known address of the claimant.  2. The failure of an insurer to serve notice as required by subsection 1 or defective service of the notice does not:  (a) Create, and must not be construed to create, a cause of action for any natural person or entity other than the Commissioner.  (b) Establish, and must not be construed to establish, a defense for any party to any cause of action.  3. As used in this section, "third-party liability claim" means a claim brought under a liability insurance policy by a person other than the insured, where the claimant is a natural person.  (Added to NRS by 2005, 1001)