reglab/housing_qa huggingface dataset:
NV Rev Stat § 485.185 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.185 - Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of coverage.

  1. Except as otherwise provided in subsection 2, every owner of a motor vehicle which is registered or required to be registered in this State shall continuously provide, while the motor vehicle is present or registered in this State, insurance provided by an insurance company licensed by the Division of Insurance of the Department of Business and Industry and approved to do business in this State:  (a) In the amount of $25,000 for bodily injury to or death of one person in any one crash;  (b) Subject to the limit for one person, in the amount of $50,000 for bodily injury to or death of two or more persons in any one crash; and  (c) In the amount of $20,000 for injury to or destruction of property of others in any one crash,  for the payment of tort liabilities arising from the maintenance or use of the motor vehicle.  2. The provisions of this section do not apply to a moped.  (Added to NRS by 1979, 1820; A 1981, 1862; 1987, 1090; 1993, 2484; 1995, 2734; 2007, 2049; 2015, 1646, 1768; 2017, 1340)
NV Rev Stat § 485.186 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.186 - Operator’s policy of liability insurance: Use in lieu of owner’s policy of liability insurance; requirements for issuance; required statements; operation of motor vehicle by person other than insured; required and excluded coverages; applicability.

  1. Except as otherwise provided in subsection 7, any natural person may satisfy the requirements of NRS 485.185 by obtaining, in lieu of an owner’s policy of liability insurance, an operator’s policy of liability insurance which meets the requirements of this section and NRS 485.3091.  2. An operator’s policy of liability insurance may only be issued to a person if:  (a) The number of motor vehicles that the person owns is greater than the number of persons in his or her household who possess a driver’s license; and  (b) Each person in his or her household who possesses a driver’s license is covered by an operator’s policy of liability insurance.  3. An operator’s policy of liability insurance must state, in addition to the requirements of NRS 485.3091, that:  (a) The insurer is only liable under the policy for liability incurred by the insured while the named insured is the operator of a motor vehicle or while a motor vehicle owned by the insured is not being operated by any person;  (b) The policy does not provide coverage for any vicarious liability imposed on the owner of the motor vehicle as a result of the operation by another person of a motor vehicle owned by the insured or for any liability imposed by NRS 41.440 or 483.300; and  (c) The coverage provided by the policy may not meet the requirements of the financial responsibility laws of other states,  unless such extended coverage is expressly included in the policy. No operator’s policy of liability insurance may be delivered or issued for delivery in this State unless the insured has signed an endorsement stating that he or she has read and understood the policy and its limitations.  4. An owner of a motor vehicle which is registered or required to be registered in this State and who holds an operator’s policy of liability insurance shall not permit another person to operate the motor vehicle if the owner knows or should have known that the person does not have liability insurance to cover the person’s own operation of that motor vehicle.  5. An operator’s policy of liability insurance must not provide coverage for damages incurred while a person other than the named insured is operating a motor vehicle.  6. An operator’s policy of liability insurance must provide coverage for liability incurred by the insured while a motor vehicle owned by the insured is not being operated by any person.  7. This section does not apply to a lessor, dealer, manufacturer, rebuilder or distributor of a motor vehicle, an owner of a fleet, a common, contract or private motor carrier or any other employer who owns a motor vehicle for use in his or her business.  (Added to NRS by 1987, 1088; A 2001 Special Session, 252)
NV Rev Stat § 485.190 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.190 - Department to determine amount of security required; hearing; suspension of license and registration; procedure regarding erroneous information.

  1. If, 20 days after the receipt of a report of a crash involving a motor vehicle within this State which has resulted in bodily injury or death, or damage to the property of any one person in excess of $750, the Department does not have on file evidence satisfactory to it that the person who would otherwise be required to file security under subsection 2 has been released from liability, has been finally adjudicated not to be liable or has executed an acknowledged written agreement providing for the payment of an agreed amount in installments with respect to all claims for injuries or damages resulting from the crash, the Department shall upon request set the matter for a hearing as provided in NRS 485.191.  2. The Department shall, immediately after a determination adverse to an operator or owner is made in a hearing pursuant to NRS 485.191, suspend the license of each operator and all registrations of each owner of a motor vehicle involved in such a crash, and, if the operator is a nonresident, the privilege of operating a motor vehicle within this State, and, if the owner is a nonresident, the privilege of the use within this State of any motor vehicle owned by him or her, unless the operator or owner, or both, immediately deposit security in the sum so determined by the Department at the hearing. If erroneous information is given to the Department with respect to the matters set forth in paragraph (a), (b) or (c) of subsection 1 of NRS 485.200, the Department shall take appropriate action as provided in this section after it receives correct information with respect to those matters.  [Part 4:127:1949; 1943 NCL § 4439.04] — (NRS A 1961, 139; 1965, 264, 1275; 1973, 1545; 1981, 1862; 1987, 1090; 1993, 2486; 1999, 3579; 2007, 2050; 2015, 1647)
NV Rev Stat § 485.191 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.191 - Right to hearing; notice; request for hearing; waiver.

  1. Any operator or owner of a motor vehicle who was involved in a crash and who is not exempt from the requirements of depositing security by the provisions of NRS 485.200, is entitled to a hearing before the Director or a representative of the Director before a determination of the amount of security required pursuant to NRS 485.190, and before the suspension of his or her operator’s license or registration as provided in subsection 2 of NRS 485.190. The hearing must be held in the county of residence of the operator. If the operator and owner reside in different counties and the hearing would involve both of them, the hearing must be held in the county which will be the most convenient for the summoning of witnesses.  2. The owner or operator must be given at least 30 days’ notice of the hearing in writing with a brief explanation of the proceedings to be taken against the owner or operator and the possible consequences of a determination adverse to the owner or operator.  3. If the operator or owner desires a hearing, the owner or operator shall, within 15 days, notify the Department in writing of such intention. If the owner or operator does not send this notice within the 15 days, he or she waives his or her right to a hearing, except that, the Director may for good cause shown permit the owner a later opportunity for a hearing.  (Added to NRS by 1973, 1544; A 1981, 1863; 1987, 1091; 1999, 3580; 2015, 1647)
NV Rev Stat § 485.193 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.193 - Scope of hearing.

The hearing must be held to determine:  1. Whether or not there is a reasonable possibility that a judgment may be rendered against the owner or operator as a result of the crash in which the owner or operator was involved if the issue is brought before a court of competent jurisdiction; and  2. The amount of security that may be required of the operator or owner to satisfy any judgment for damages that may be rendered against the owner or operator.  (Added to NRS by 1973, 1544; A 1981, 85; 2015, 1647)
NV Rev Stat § 485.195 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.195 - Powers of officer conducting hearing.

The Director or a representative of the Director may certify to all official acts and issue subpoenas for attendance of witnesses and the production of books and papers.  (Added to NRS by 1973, 1544; A 1981, 85)
NV Rev Stat § 485.197 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.197 - Enforcement of subpoenas issued by Director.

  1. The district court in and for the county in which any hearing may be held shall have the power to compel the attendance of witnesses, the giving of testimony and the production of books and papers as required by any subpoena issued by the Director.  2. In case of the refusal of any witness to attend or testify or produce any papers required by such subpoena the Director may report to the district court in and for the county in which the hearing is pending by petition, setting forth:  (a) That due notice has been given of the time and place of attendance of the witness or the production of the books and papers;  (b) That the witness has been subpoenaed in the manner prescribed in this chapter;  (c) That the witness has failed and refused to attend or produce the papers required by subpoena before the Director in the cause or proceeding named in the subpoena, or has refused to answer questions propounded to the witness in the course of such hearing,  and asking an order of the court compelling the witness to attend and testify or produce the books or papers before the Director.  3. The court, upon petition of the Director, shall enter an order directing the witness to appear before the court at a time and place to be fixed by the court in such order, the time to be not more than 10 days from the date of the order, and then and there show cause why the witness has not attended or testified or produced the books or papers before the Director. A certified copy of the order shall be served upon the witness. If it shall appear to the court that the subpoena was regularly issued by the Director, the court shall thereupon enter an order that the witness appear before the Director at the time and place fixed in the order and testify or produce the required books or papers, and upon failure to obey the order the witness shall be dealt with as for contempt of court.  (Added to NRS by 1973, 1545)
NV Rev Stat § 485.200 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.200 - Exceptions to requirements as to security and suspension of license and registration.

  1. The requirements as to security and suspension in NRS 485.190 to 485.300, inclusive, do not apply:  (a) To the operator or owner if the operator or owner had in effect at the time of the crash a motor vehicle liability policy with respect to the motor vehicle involved in the crash;  (b) To the operator if there was in effect at the time of the crash a motor vehicle liability policy with respect to his or her operation of any motor vehicle;  (c) To the operator or owner if the liability for damages of the operator or owner resulting from the crash is, in the judgment of the Department, covered by any other form of liability insurance policy or a bond;  (d) To any person qualifying as a self-insurer pursuant to NRS 485.380, or to any person operating a motor vehicle for the self-insured;  (e) To the operator or the owner of a motor vehicle involved in a crash wherein no injury or damage was caused to the person or property of anyone other than the operator or owner;  (f) To the operator or the owner of a motor vehicle legally parked at the time of the crash;  (g) To the owner of a motor vehicle if at the time of the crash the vehicle was being operated without the owner’s permission, express or implied, or was parked by a person who had been operating the motor vehicle without permission; or  (h) If, before the date that the Department would otherwise suspend the license and registration or nonresident’s operating privilege pursuant to NRS 485.190, there is filed with the Department evidence satisfactory to it that the person who would otherwise have to file security has been released from liability or has received a determination in his or her favor at a hearing conducted pursuant to NRS 485.191, or has been finally adjudicated not to be liable or has executed an acknowledged written agreement providing for the payment of an agreed amount in installments, with respect to all claims for injuries or damages resulting from the crash.  2. An owner who is not the operator of the motor vehicle is not exempt from the requirements as to security and suspension in NRS 485.190 to 485.300, inclusive, if the owner holds a motor vehicle liability policy which provides coverage only when the owner is operating the motor vehicle and, at the time of the crash, another person is operating the motor vehicle with the express or implied permission of the owner.  [Part 4:127:1949; 1943 NCL § 4439.04] + [5:127:1949; 1943 NCL § 4439.05] — (NRS A 1961, 140; 1973, 836, 1546; 1979, 1515; 1981, 1863; 1987, 1091; 1995, 2736; 1999, 3580; 2015, 1648)
NV Rev Stat § 485.210 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.210 - Requirements as to policy or bond.

For the purposes of NRS 485.200, a policy or bond is not effective unless:  1. The policy or bond is subject, if the crash has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than $25,000 because of bodily injury to or death of one person in any one crash and, subject to the limit for one person, to a limit of not less than $50,000 because of bodily injury to or death of two or more persons in any one crash and, if the crash has resulted in injury to or destruction of property, to a limit of not less than $20,000 because of injury to or destruction of property of others in any one crash; and  2. The insurance company or surety company issuing that policy or bond is authorized to do business in this State or, if the company is not authorized to do business in this State, unless it executes a power of attorney authorizing the Director to accept service on its behalf of notice or process in any action upon that policy or bond arising out of a crash.  [Part 4:127:1949; 1943 NCL § 4439.04] — (NRS A 1961, 141; 1963, 220; 1969, 177; 1981, 628; 1985, 1958; 1987, 1092; 1995, 2737; 2015, 1648; 2017, 1340)
NV Rev Stat § 485.220 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.220 - Form and amount of security.

  1. The security required pursuant to NRS 485.190 to 485.300, inclusive, must be in such a form and amount as the Department may require, but in no case in excess of the limits specified in NRS 485.210 in reference to the acceptable limits of a policy or bond.  2. The person depositing the security shall specify in writing the person or persons on whose behalf the deposit is made and, at any time while the deposit is in the custody of the Department or the State Treasurer, the person depositing it may, in writing, amend the specification of the person or persons on whose behalf the deposit is made to include an additional person or persons, but a single deposit of security is applicable only on behalf of persons required to furnish security because of the same crash.  [Part 8:127:1949; 1943 NCL § 4439.08] — (NRS A 1961, 141; 1981, 1128; 1995, 2737; 1999, 3581; 2015, 1649)
NV Rev Stat § 485.230 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.230 - Duration of suspension; requirements for reinstatement.

  1. The license, all registrations and the nonresident’s operating privilege suspended as provided in NRS 485.190 must remain so suspended and may not be renewed nor may any license or registration be issued to any such person until:  (a) The person deposits or there is deposited on his or her behalf the security required under NRS 485.190;  (b) Two years have elapsed following the date of the crash and evidence satisfactory to the Department has been filed with it that during that period no action for damages arising out of the crash has been instituted; or  (c) Evidence satisfactory to the Department has been filed with it of a release from liability, or a final adjudication of nonliability, or an acknowledged written agreement, in accordance with NRS 485.190.  2. Upon any default in the payment of any installment under any acknowledged written agreement, and upon notice of the default, the Department shall suspend the license and all registrations or the nonresident’s operating privilege of the person defaulting, which may not be restored until:  (a) The person deposits and thereafter maintains security as required under NRS 485.190 in such an amount as the Department may then determine; or  (b) One year has elapsed following the date of default, or 2 years following the date of the crash, whichever is greater, and during that period no action upon the agreement has been instituted in a court in this State.  3. Proof of financial responsibility, as set forth in NRS 485.307, is an additional requirement for reinstatement of the operator’s license and registrations under this section. The person shall maintain proof of financial responsibility for 3 years after the date of reinstatement of the license in accordance with the provisions of this chapter. If the person fails to do so the Department shall suspend the license and registrations.  [6:127:1949; 1943 NCL § 4439.06] — (NRS A 1957, 721; 1961, 141; 1981, 1864; 1985, 1175; 1999, 3581; 2015, 1649)
NV Rev Stat § 485.240 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.240 - Application to nonresidents, unlicensed drivers, unregistered motor vehicles and crashes in other states.

  1. If the operator or the owner of a motor vehicle involved in a crash within this State has no license or registration, or is a nonresident, the operator or owner must not be allowed a license or registration until the operator or owner has complied with the requirements of NRS 485.190 to 485.300, inclusive, to the same extent that would be necessary if, at the time of the crash, the operator or owner had held a license and registration.  2. When a nonresident’s operating privilege is suspended pursuant to NRS 485.190 or 485.230, the Department shall transmit a certified copy of the record of that action to the officer in charge of the issuance of licenses and registration certificates in the state in which the nonresident resides, if the law of that state provides for action in relation thereto similar to that provided for in subsection 3.  3. Upon receipt of a certification that the operating privilege of a resident of this State has been suspended or revoked in any other state pursuant to a law providing for its suspension or revocation for failure to deposit security for the payment of judgments arising out of a motor vehicle crash, under circumstances which would require the Department to suspend a nonresident’s operating privilege had the crash occurred in this State, the Department shall suspend the license of the resident if the resident was the operator, and all of his or her registrations if the resident was the owner of a motor vehicle involved in that crash. The suspension must continue until the resident furnishes evidence of compliance with the law of the other state relating to the deposit of that security.  [7:127:1949; 1943 NCL § 4439.07] — (NRS A 1957, 722; 1961, 142; 1981, 1128; 1995, 2737; 1999, 3582; 2015, 1650)
NV Rev Stat § 485.250 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.250 - Authority of Department to reduce amount of security.

The Department may reduce the amount of security ordered in any case within 6 months after the date of the crash if, in its judgment, the amount ordered is excessive. In case the security originally ordered has been deposited, the excess deposited over the reduced amount ordered must be returned to the depositor or his or her personal representative forthwith, notwithstanding the provisions of NRS 485.270.  [Part 8:127:1949; 1943 NCL § 4439.08] — (NRS A 1961, 143; 1999, 3582; 2015, 1650)
NV Rev Stat § 485.260 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.260 - Custody of security.

Security deposited pursuant to the requirements of NRS 485.190 to 485.300, inclusive, must be placed by the Department in the custody of the State Treasurer.  [Part 9:127:1949; A 1955, 192] — (NRS A 1961, 143; 1981, 1129; 1995, 2738; 1999, 3583)
NV Rev Stat § 485.270 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.270 - Disposition of security.

Security deposited in compliance with the requirements of this chapter is applicable only to the payment of a judgment or judgments rendered against the person or persons on whose behalf the deposit was made for damages arising out of the crash in question in an action at law, begun not later than 2 years after the date of the crash or within 1 year after the date of deposit of any security under NRS 485.230, whichever period is longer, or to the payment in settlement, agreed to by the depositor, of a claim or claims arising out of the crash.  [Part 9:127:1949; A 1955, 192] — (NRS A 1957, 722; 1981, 1865; 2015, 1650)
NV Rev Stat § 485.280 (2021)
2021 Nevada Revised Statutes|Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility|NRS 485.280 - Return of deposit.

A deposit or any balance thereof must be returned to the depositor or his or her personal representative:  1. When evidence satisfactory to the Department has been filed with it that there has been a release from liability, a final adjudication of nonliability or an acknowledged agreement, in accordance with paragraph (h) of subsection 1 of NRS 485.200; or  2. If 2 years after the date of the crash or 1 year after the date of deposit of any security under NRS 485.230, whichever period is longer, the Department is given reasonable evidence that there is no action pending and no judgment rendered in such an action left unpaid.  [Part 9:127:1949; A 1955, 192] — (NRS A 1961, 143; 1981, 1865; 1987, 1093; 1999, 3583; 2015, 1650)