reglab/housing_qa huggingface dataset:
NV Rev Stat § 690B.023 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.023 - Insurer to provide evidence of insurance; contents; evidence of insurance in electronic format.

  1. Except as otherwise provided in subsection 2, if insurance for the operation of a motor vehicle required pursuant to NRS 485.185 is provided by a contract of insurance, the insurer shall:  (a) Provide evidence of insurance to the insured on a form approved by the Commissioner. The evidence of insurance must include:  (1) The name and address of the policyholder;  (2) The name and address of the insurer;  (3) Vehicle information, consisting of:  (I) The year, make and complete identification number of the insured vehicle or vehicles; or  (II) The word "Fleet" and the name of the registered owner if the vehicle is covered under a fleet policy written on an any auto basis or blanket policy basis;  (4) The term of the insurance, including the day, month and year on which the policy:  (I) Becomes effective; and  (II) Expires;  (5) The number of the policy;  (6) A statement that the coverage meets the requirements set forth in NRS 485.185; and  (7) The statement "This evidence of insurance must be carried in the insured motor vehicle for production upon demand." The statement must be prominently displayed.  (b) Provide new evidence of insurance if:  (1) The information regarding the insured vehicle or vehicles required pursuant to subparagraph (3) of paragraph (a) no longer is accurate;  (2) An additional motor vehicle is added to the policy;  (3) A new number is assigned to the policy; or  (4) The insured notifies the insurer that the original evidence of insurance has been lost.  2. Upon the request of an insured and to the extent available, the insurer may provide the evidence of insurance in an electronic format, approved by the Commissioner, that can be displayed on a mobile electronic device. The electronic format must provide for the inclusion of all information required by paragraph (a) of subsection 1. An insured who makes such a request may also request that the insurer provide the insured with the form provided for in subsection 1.  3. A person who presents a mobile electronic device to another person to provide evidence of insurance assumes all liability for any resulting damage to the mobile electronic device.  (Added to NRS by 1981, 1695; A 1985, 1560; 1987, 1100, 1498, 1499; 1991, 1632; 1993, 2490; 1995, 2743; 2011, 3385; 2013, 1890; 2015, 798, 3485)
NV Rev Stat § 690B.024 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.024 - Obligations of claimant or attorney to provide certain information relating to claim for compensation under policy of motor vehicle insurance.

  1. Any party against whom a claim is asserted for compensation or damages for any mental or physical injury under a policy of motor vehicle insurance may require the claimant or any attorney representing the claimant to provide to the party or any attorney of the party and to the insurer a written authorization to receive all medical reports, records and bills related to the claim from the providers of health care. An authorization so provided may not be revoked without cause.  2. At the written request of the claimant or the attorney of the claimant, copies of all medical reports, records and bills obtained by a written authorization pursuant to subsection 1 must be provided to the claimant or the attorney of the claimant within 30 days after the date they are received by the party, any attorney of the party or the insurer. If the claimant or the attorney of the claimant makes a written request for the medical reports, records and bills, the claimant or the attorney of the claimant shall pay for the reasonable costs of copying the medical reports, records and bills.  3. Within 10 days after receipt of a written authorization pursuant to subsection 1, the insurer who issued the policy specified in subsection 1 shall, upon request, provide the claimant or any attorney representing the claimant with all pertinent facts or provisions of the policy relating to any coverage at issue, including policy limits.  4. The provisions of subsections 1, 2 and 3 cease to apply upon the commencement of an action in court arising from a claim asserted under a policy of motor vehicle insurance.  5. As used in this section, "provider of health care" has the meaning ascribed to it in NRS 629.031.  (Added to NRS by 2019, 2499)
NV Rev Stat § 690B.025 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.025 - Primary and excess coverage; garage operator required to post notice.

  1. If two or more policies of liability insurance covering the same motor vehicle are in effect when the motor vehicle is involved in an incident which results in a claim against the policies:  (a) If the motor vehicle was being operated by a person engaged in the business of selling, repairing, servicing, delivering, testing, road testing, parking or storing motor vehicles, or by an agent or employee of the person while in pursuit of that business, the policy issued to that business shall be deemed to be primary and any other policy shall be deemed to provide excess coverage.  (b) If the motor vehicle was being operated by a person described in paragraph (a) in any pursuit other than of that business, or by some other person, the policy issued to the operator of the vehicle shall be deemed to be primary and any policy issued to the business shall be deemed to provide excess coverage.  (c) If, while the vehicle of the customer was being repaired or serviced in the bailment of a garage operator engaged in the business of repairing or servicing motor vehicles, the customer is lent by the garage operator a motor vehicle for use during the time required to complete the repairs or service, the policy issued to the customer shall be deemed to be primary and all other policies shall be deemed to provide excess coverage. A garage operator engaged in the business of repairing or servicing motor vehicles who loans a customer a vehicle for use during the time required to complete the repairs or service shall provide express notice to the customer that the customer’s policy of insurance will provide primary coverage while the customer is operating that vehicle.  2. The provisions in subsection 1 may be modified but only by a written agreement signed by all the insurers who have issued policies applicable to a claim described in subsection 1 and by all the insureds under those policies.  3. This section applies only to policies of liability insurance issued or renewed on or after July 1, 1981.  (Added to NRS by 1981, 180; A 1987, 451)
NV Rev Stat § 690B.028 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.028 - Insurer prohibited from taking adverse action because of violation of speed limit in certain cases.

An insurer shall not impose on an insured or group of insured an increase in rates for motor vehicle insurance because of a conviction or a finding by a juvenile court of a violation of the speed limit under the circumstances described in subsection 1 of NRS 484B.617, nor shall an insurer cancel or refuse to renew a policy of insurance for that reason.  (Added to NRS by 1997, 2525)
NV Rev Stat § 690B.029 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.029 - Mandatory provision for reduction of premiums for certain persons 55 years of age or older.

  1. A policy of insurance against liability arising out of the ownership, maintenance or use of a motor vehicle delivered or issued for delivery in this State to a person who is 55 years of age or older must contain a provision for the reduction in the premiums for 3-year periods if the insured:  (a) Successfully completes, after attaining 55 years of age and every 3 years thereafter, a course of traffic safety approved by the Department of Motor Vehicles; and  (b) For the 3-year period before completing the course of traffic safety and each 3-year period thereafter:  (1) Is not involved in a crash involving a motor vehicle for which the insured is at fault;  (2) Maintains a driving record free of violations; and  (3) Has not been convicted of, or entered a plea of guilty, guilty but mentally ill or nolo contendere to, a moving traffic violation or an offense involving:  (I) The operation of a motor vehicle while under the influence of intoxicating liquor or a controlled substance; or  (II) Any other conduct prohibited by NRS 484C.110, 484C.120, 484C.130 or 484C.430 or a law of any other jurisdiction that prohibits the same or similar conduct.  2. The reduction in the premiums provided for in subsection 1 must be based on the actuarial and loss experience data available to each insurer and must be approved by the Commissioner. Each reduction must be calculated based on the amount of the premium before any reduction in that premium is made pursuant to this section, and not on the amount of the premium once it has been reduced.  3. A course of traffic safety that an insured is required to complete as the result of moving traffic violations must not be used as the basis for a reduction in premiums pursuant to this section.  4. The organization that offers a course of traffic safety approved by the Department of Motor Vehicles shall issue a certificate to each person who successfully completes the course. A person must use the certificate to qualify for the reduction in the premiums pursuant to this section.  5. The Commissioner shall review and approve or disapprove a policy of insurance that offers a reduction in the premiums pursuant to subsection 1. An insurer must receive written approval from the Commissioner before delivering or issuing a policy with a provision containing such a reduction.  (Added to NRS by 1989, 1679; A 1995, 2481; 1999, 3436; 2001, 2636; 2003, 1505; 2005, 172; 2007, 1484; 2009, 1890; 2015, 1697)
NV Rev Stat § 690B.031 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.031 - Reduction in premium of certain policies of insurance required if motor vehicle is equipped with air bag and other safety device; calculation; approval of Commissioner.

  1. A policy of insurance providing coverage arising out of the ownership, maintenance or use of a motor vehicle which is delivered or issued for delivery in this State and includes coverage for the payment of reasonable and necessary medical expenses or uninsured and underinsured motorists coverage, or both, must contain a provision for the reduction in the premium for such coverage if the motor vehicle:  (a) Is equipped with an air bag on the driver’s side of the front seat or air bags on the driver’s side and passenger’s side of the front seat; and  (b) Contains any other safety device, other than safety belts, which substantially enhances the safety of the occupants of the motor vehicle.  2. The reduction in premiums required by subsection 1 must be based upon the actuarial and loss experience data available to each insurer and must be approved by the Commissioner. The insurer may offer additional reductions in premiums pursuant to the requirements set forth in subsection 1 if they are approved by the Commissioner. Each reduction must be calculated based on the amount of the premium before any reduction in that premium is made pursuant to this section, and not on the amount of the premium once it has been reduced.  3. The Commissioner shall review and approve or disapprove each policy of insurance that offers a reduction in the premiums provided for in this section. An insurer must receive the written approval of the Commissioner before delivering or issuing for delivery a policy that provides for such a reduction.  (Added to NRS by 1993, 2495)
NV Rev Stat § 690B.035 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.035 - Policy covering damage to one or more of operator’s vehicles.

An insurer may issue to a holder of an operator’s policy of liability insurance a policy covering damage to one or more of the operator’s vehicles. The policy is not required to provide liability insurance or uninsured vehicle coverage.  (Added to NRS by 1987, 1098)
NV Rev Stat § 690B.037 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.037 - Owner or authorized agent may give consent for towing and storage of damaged motor vehicle.

The owner of a motor vehicle or the authorized agent of the owner who makes a claim under a policy of insurance for damages to the motor vehicle may give his or her consent for:  1. If the insurer provides notice to the owner or the authorized agent of the owner that the motor vehicle is a total loss vehicle as that term is defined in NRS 487.790, the motor vehicle to be towed and placed in storage at the direction and expense of the insurer; or  2. If the insurer provides notice to the owner or the authorized agent of the owner that the motor vehicle is a repairable vehicle, the motor vehicle to be towed to a repair shop designated by the owner or the authorized agent of the owner.  (Added to NRS by 2011, 1404)
NV Rev Stat § 690B.040 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.040 - Policy providing certain automobile coverage in Mexico.

An authorized casualty insurer may issue through its licensed agents an automobile insurance policy in which coverage for liability resulting from bodily injury and property damage occurring in Mexico is provided by an insurer authorized to transact and transacting such insurance in Mexico under the laws of Mexico, in a portion of such policy or endorsement thereon or rider attached thereto executed by or on behalf of such other insurer, and whether or not such other insurer is authorized to transact insurance in this State.  (Added to NRS by 1971, 1778)
NV Rev Stat § 690B.090 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.090 - Issuance authorized.

  1. Any casualty insurer may provide industrial insurance pursuant to the general provisions of chapters 616A to 617, inclusive, of NRS concerning the respective rights and obligations of employees and their employers, if the insurer:  (a) Has a certificate of authority issued by the Commissioner pursuant to chapter 680A of NRS; and  (b) Is specifically qualified pursuant to paragraph (c) of subsection 1 of NRS 681A.020.  2. The insurance may be purchased by qualified employers to secure the payment of compensation for employees injured in the course of employment.  3. The employer shall bear the costs for private insurance.  (Added to NRS by 1995, 2059)
NV Rev Stat § 690B.100 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.100 - Definitions.

As used in NRS 690B.100 to 690B.180, inclusive, unless the context otherwise requires:  1. "Home" means a structure used primarily for residential purposes and includes, without limitation:  (a) A single-family dwelling;  (b) A unit in a multiple-family structure;  (c) A mobile home; and  (d) The common elements of a common-interest community, as defined in NRS 116.017, and any appurtenance to the common elements.  2. "Insurance for home protection" means a contract of insurance, which affords coverage over a specified term for a predetermined fee, under which a person, other than the manufacturer, builder, seller or lessor of the home, agrees to repair, replace or indemnify from the cost of repair or replacement based upon the failure of any structure, component, system or appliance of the home. The term does not include:  (a) A contract which insures against any consequential losses caused by the defects or failures.  (b) An annual home service agreement on household appliances, systems and components if the agreement principally provides for service, repair or replacement due to normal wear and tear or inherent defect. Such agreements may include provisions for incidental indemnity or for service or repair of roof leaks.  (Added to NRS by 1981, 1321; A 1995, 1630, 2558; 1997, 650; 1999, 1447; 2003, 3317)
NV Rev Stat § 690B.110 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.110 - Applicability of other provisions.

  1. Except as provided in subsection 2 and NRS 690B.100 to 690B.180, inclusive, insurance for home protection is subject to all applicable provisions of this Code.  2. The provisions of chapters 687A and 692C of NRS do not apply to insurance for home protection.  (Added to NRS by 1981, 1323)
NV Rev Stat § 690B.120 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.120 - Exemptions from licensing requirements.

A person who sells insurance for home protection on behalf of an insurer who issues policies of casualty insurance or insurance for home protection is exempted from the provisions of chapter 683A of NRS which require the person to be licensed as an agent, broker or solicitor if:  1. The person’s sales activity is conducted pursuant to a written contract with the insurer which regulates his or her activity.  2. The person holds a valid broker’s, broker-salesperson’s or salesperson’s license issued pursuant to chapter 645 of NRS.  (Added to NRS by 1981, 1323)
NV Rev Stat § 690B.130 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.130 - Deposit of securities or surety bond; maintenance of capital stock or surplus, premium reserves and losses and loss expense reserves.

  1. Except as otherwise provided in subsection 2, an insurer who issues policies of insurance for home protection, other than casualty insurance, shall deposit, in accordance with chapter 682B of NRS, securities having a market value of not less than $50,000, unless the insurer furnishes evidence satisfactory to the Commissioner of maintaining a deposit of not less than that amount which complies with the requirements of the state of domicile of the insurer and is held for the protection of all holders of insurance contracts.  2. In lieu of the deposit of securities, the insurer may post with the Commissioner a surety bond of not less than $50,000 executed by an insurer who has a valid certificate of authority issued by the Commissioner.  3. The insurer shall maintain:  (a) Unimpaired paid-in capital stock or unimpaired basic surplus, or a combination thereof, in an amount not less than 10 percent of the amount charged as premiums for insurance currently in effect, but not less than $50,000, nor more than is required by NRS 680A.120 for a certificate of authority.  (b) Unearned premium reserves as required by NRS 681B.060.  (c) Losses and loss expense reserves as required by subsection 1 of NRS 681B.050.  (Added to NRS by 1981, 1321; A 1991, 2034; 1995, 1630)
NV Rev Stat § 690B.140 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.140 - Investments in tangible personal property: Limitation.

An insurer who issues policies of insurance for home protection, other than casualty insurance, may make investments in tangible personal property for use in fulfilling its obligations to repair or replace components, systems or appliances of the home under its contracts of insurance for home protection, in an amount not to exceed 35 percent of its assets, as determined pursuant to NRS 681B.010, unless the Commissioner, whenever the Commissioner deems it appropriate, waives this limitation by regulation.  (Added to NRS by 1981, 1322; A 1999, 1448)
NV Rev Stat § 690B.150 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.150 - Filing of annual and quarterly statements.

An insurer who issues policies of insurance for home protection, other than casualty insurance, shall file:  1. The annual statement required by NRS 680A.270 in the form prescribed by the Commissioner on or before March 1 of each year to cover the preceding calendar year; and  2. The quarterly statements required by NRS 680A.270 in accordance with the provisions of subsection 5 of that section.  (Added to NRS by 1981, 1322; A 1991, 2034; 2019, 1706)
NV Rev Stat § 690B.155 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.155 - Provision requiring binding arbitration authorized; procedures for arbitration.

  1. Subject to the approval of the Commissioner, a contract of insurance for home protection may include a provision which requires the parties to the contract to submit for binding arbitration any dispute between the parties concerning any matter directly or indirectly related to, or associated with, the contract.  2. Except as otherwise provided in subsection 3, the arbitration must be conducted pursuant to the rules for commercial arbitration established by the American Arbitration Association. The insurer is responsible for any administrative fees and expenses relating to the arbitration, except that the insurer is not responsible for attorney’s fees and fees for expert witnesses unless those fees are awarded by the arbitrator.  3. If a provision described in subsection 1 is included in a contract of insurance for home protection, the provision shall not be deemed unenforceable as an unreasonable contract of adhesion if the provision is included in compliance with the provisions of subsection 1.  (Added to NRS by 1995, 2557)
NV Rev Stat § 690B.160 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.160 - Contracts: Specifications; cancellation; renewal.

  1. A contract of insurance for home protection must specify:  (a) The structures, components, systems and appliances covered by the provisions of the contract.  (b) Any exclusions from and limitations on coverage.  (c) The period during which the contract will be in effect, and the renewal terms, if any.  (d) The services to be performed by the insurer and the terms and conditions of the insurer’s performance.  (e) The copayment, service fee or deductible charge, if any, to be charged to the insured.  (f) All limitations regarding the performance of services, including any restrictions as to the time during or geographical area within which services may be requested or will be performed.  (g) That the insurer will commence an investigation of a claim upon a request from the insured by telephone, without any requirement that claim forms or applications be filed before the commencement of the investigation.  (h) That, except in an emergency, including, without limitation, the loss of heating, cooling, plumbing or electrical service by the insured, services will be initiated by or under the direction of the insurer within 48 hours after the conclusion of an investigation of a claim. Work must commence on an emergency not later than 24 hours after the report of the claim. The Commissioner may adopt regulations to define "emergency" for the purposes of this paragraph.  (i) Other conditions and provisions pertaining to the coverage as required by the insurance laws of this State or regulations adopted by the Commissioner.  2. Insurance for home protection may not be cancelled during the term for which it is issued, except:  (a) For nonpayment of the fee for the contract.  (b) For fraud or misrepresentation of facts material to the issuance or renewal of the contract.  (c) Insurance which provides coverage before the home is sold if the sale is not made. The cancellation must be made in accordance with the contract provisions.  3. Insurance for home protection is not renewable unless its terms provide otherwise.  (Added to NRS by 1981, 1322; A 1999, 1448)
NV Rev Stat § 690B.170 (2021)
2021 Nevada Revised Statutes|Chapter 690B - Casualty Insurance|NRS 690B.170 - Contracts: Regulations on content.

The Commissioner may adopt reasonable regulations regarding the content of contracts of insurance for home protection to protect the interests of persons affected by the provisions of those contracts. The regulations may not extend to specifying the structures, components, systems or appliances which must be covered by insurance for home protection, except to the extent necessary to:  1. Obtain fairness in the exclusions from the coverage provided; or  2. Avoid illusory coverage caused by the nature or extent of the coverage exclusions.  (Added to NRS by 1981, 1323)