Opinion ID: 2610930
Heading Depth: 1
Heading Rank: 3

Heading: Is the provision displayed prominently in the policy?

Text: The second requirement under NRS 687B.145(1) is that any anti-stacking provision must be prominently displayed. In Neumann, we held that in order to meet this requirement, the clause must direct the reader's attention toward the critical language, and have greater prominence than other provisions. Neumann, 101 Nev. at 211, 699 P.2d at 105. We then reasoned that because the entire document at issue contained large, double-spaced print, the fact that the anti-stacking clause was also displayed in this manner did not create sufficient prominence under the statute. Id. Applying the Neumann test to this case reveals that the anti-stacking clause was prominently displayed. Appellants contend that because the provision was not contained in the first of two documents that comprised the policy, it failed to meet the statutory requirement. This argument misses the thrust of the statute's meaning, however, for the question is one of prominence, not of immediacy. Here, the provision appears at the beginning of the second document in a section entitled: PART 4 UNINSURED MOTORISTS. The anti-stacking clause is then set apart from the rest of the section by virtue of the sub-heading LIMIT OF COVERAGE. The reader's attention is directed toward this provision because it is the only part of the policy containing an entire section (18 lines) in bold-faced capital letters. By comparison, no other part of the policy has more than two lines printed in such a manner. Because the provision was displayed in this way, it complied with the second requirement of the statute.