STATE LAW – NEVADA LIBRARY – GUIDE 05
Nevada Uninsured & Underinsured Motorist Coverage
Nevada insurers must offer uninsured and underinsured motorist coverage subject to statutory selection and rejection rules. Coverage analysis should address insured status, limits, offsets, exclusions, settlement effects and subrogation.
- Obtain declarations, endorsements and UM/UIM selection or rejection documents.
- Identify every policy under which the injured person may qualify as an insured.
- Review liability settlements before executing releases.
- Apply current NRS 687B.145 and controlling Nevada authority.
Nevada requires an offer of UM/UIM coverage
NRS 687B.145 requires motor-vehicle insurers to offer UM/UIM coverage in an amount equal to the bodily-injury liability limits sold under a qualifying passenger-car or motorcycle policy. The insured may decline the offer or select different available limits.
UIM operates above the tortfeasor’s available limits
The statute requires UIM coverage to permit recovery, up to the insured’s own limit, for bodily-injury damages that exceed the bodily-injury liability limits available from the at-fault owner or operator. Nevada law also restricts insurer subrogation after payment of UIM benefits.
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Official Sources
Verify current Nevada law at the source
The reviewed Nevada guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.