Title 57

NRS 686A.027 Unfair or deceptive methods, acts or practices: Knowing access or use of contractual discount of provider of health care pursuant to provider network contract without applicable contractual relationship. It constitutes an unfair method of competition or an unfair or …

NRS 686A.028 Unfair or deceptive methods, acts or practices: Offering or selling policy of travel insurance that could never result in payment of claim; marketing blanket travel insurance as free. 1. It constitutes an unfair method of competition or an unfair or deceptive act or …

NRS 686A.030 Misrepresentation and false or misleading advertising of policies prohibited. A person shall not make, issue, circulate or cause to be made, issued or circulated, any estimate, illustration, circular, statement, sales presentation or comparison which: 1. Misrepresent…

NRS 686A.040 False, deceptive or misleading information and advertising prohibited. No person shall make, publish, disseminate, circulate or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated or placed before the public, in …

NRS 686A.050 “Twisting” prohibited. No person shall make or issue, or cause to be made or issued, any written or oral statement misrepresenting or making misleading comparison as to the terms, conditions, benefits or advantages of any insurance policy for the purpose of inducing,…

NRS 686A.055 Use of existence of Nevada Insurance Guaranty Association or Nevada Life and Health Insurance Guaranty Association to induce purchase of or discourage termination of insurance covered by Association prohibited; exception. A person who is an insurer or an agent or emp…

NRS 686A.060 Replacement of life insurance: Statements required to be given to policyholder. In addition to other powers of the Commissioner in respect thereto, the Commissioner may by regulation require persons who replace or offer or propose to replace existing life insurance w…

NRS 686A.070 Falsification of or knowing omissions in records or falsification of financial statements prohibited; penalty. 1. A person subject to regulation under this Code shall not knowingly make or cause to be made any false entry of a material fact in any book, report or sta…

NRS 686A.080 Defamatory statement concerning person engaged or proposing to engage in business of insurance prohibited. No person shall make, publish, disseminate or circulate, directly or indirectly, or aid, abet or encourage the making, publishing, disseminating or circulating …

NRS 686A.085 Bank prohibited from requiring customers to purchase insurance from parent, subsidiary or affiliate of bank. A bank shall not in any manner extend credit, lease or sell property of any kind, or furnish any services, or fix or vary the consideration for any of them, o…

NRS 686A.090 Boycott, coercion or intimidation tending to result in unreasonable restraint of or monopoly in business of insurance prohibited. No person shall enter into any agreement to commit, or by any concerted action commit, any act of boycott, coercion or intimidation resul…

NRS 686A.095 Cancellation or restriction of agent’s authority based solely on loss ratio experience prohibited in certain circumstances. 1. An insurer shall not, without the written consent of the agent, cancel a written agreement with an agent or reduce or restrict the agent’s a…

NRS 686A.100 Life insurance, annuities and health insurance: Unfair discrimination prohibited. 1. No person may make or permit any unfair discrimination between persons of the same class and equal expectation of life in the rates charged for any contract of life insurance or of l…

NRS 686A.105 Life insurance, annuities and health insurance: Discrimination against living organ donor prohibited. 1. With regard to any policy or contract of life insurance, life annuity or health insurance, no person shall discriminate against a living organ donor by: (a) Refus…

NRS 686A.110 Life insurance, annuities and health insurance: Rebates and other inducements prohibited; exceptions. 1. Except as otherwise expressly provided by law, no person shall knowingly: (a) Permit to be made or offer to make or make any contract of life insurance, life annu…

NRS 686A.120 Life insurance, annuities and health insurance: Exceptions to provisions limiting discrimination, rebates and use of securities as inducements. 1. Nothing in NRS 686A.100, 686A.105 and 686A.110 shall be construed as including within the definition of discrimination o…

NRS 686A.130 Property, casualty, surety and title insurance: Unfair discrimination and rebates prohibited; exceptions. 1. Except as otherwise provided in subsection 2, no property, casualty, surety or title insurer or underwritten title company or any employee or representative t…

NRS 686A.135 Vision care: Prohibited provisions in contract between insurer and provider; insurer required to provide list of reimbursement rates to provider before entering contract; insurer required to disclose in policy pecuniary interest in supplier or provider; prohibited ad…

NRS 686A.140 Violations concerning rebates and inducements: Penalties; effect. 1. Any person violating the provisions of NRS 686A.110 or 686A.130 is guilty of a misdemeanor. 2. No agent or broker violating any of such provisions shall be entitled to receive any commission for the…

NRS 686A.150 Using security, advisory board contract or agreement offering or promising profit as inducement prohibited. Except as provided in subsection 2 of NRS 686A.120 (contemporaneous sales of life insurance and mutual fund shares), no person shall sell, agree or offer to se…

NRS 686A.160 Enforcement: Prohibited methods, acts or practices. If the Commissioner has cause to believe that any person has been engaged or is engaging, in this state, in any unfair method of competition or any unfair or deceptive act or practice prohibited by NRS 686A.010 to 6…

NRS 686A.170 Enforcement: Undefined practices. 1. If the Commissioner believes that any person engaged in the insurance business is in the conduct of such business engaging in this state in any method of competition or in any act or practice not defined in NRS 686A.010 to 686A.31…

NRS 686A.180 Service of process upon unauthorized insurers. 1. Service of all process, statements of charges and notices under NRS 686A.010 to 686A.310, inclusive, upon unauthorized insurers shall be made by delivering to and leaving with the Commissioner or some person in appare…

NRS 686A.183 Cease and desist orders and penalties for prohibited methods, acts or practices; modification and setting aside of Commissioner’s orders. 1. After the hearing provided for in NRS 686A.160, the Commissioner shall issue an order on hearing pursuant to NRS 679B.360. If …

NRS 686A.185 Review and finality of Commissioner’s orders. 1. An order issued by the Commissioner under NRS 686A.183 is subject to review pursuant to the provisions of NRS 679B.370. 2. An order issued by the Commissioner under NRS 686A.183 or 686A.187 shall become final: (a) Upon…

NRS 686A.187 Penalties for violating cease and desist order. Any person who violates a cease and desist order of the Commissioner issued under NRS 686A.183, except one issued with respect to NRS 686A.170, is subject, in the discretion of the Commissioner, after notice and hearing…

NRS 686A.190 Interlocking ownership or management; serving as director of competing insurers. 1. Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have a common management with any other insurer or insurer…

NRS 686A.200 Plan or transaction involving favored agent or insurer prohibited; exception. 1. Except as otherwise provided in NRS 616B.710, no person shall require, directly or indirectly, or through any trustee, director, officer, agent or employee or affiliate, as a condition, …

NRS 686A.210 Service and processing charges prohibited. No mortgagee, lessor, vendor or other person whose interest is insured under an insurance policy paid for by another shall make, receive or accept any monetary charge or fee paid or payable by such other person, for handling…

NRS 686A.220 Favored agent or surety for bonds or insurance contracts under public building or construction contract prohibited; exceptions; penalty. 1. Except as otherwise provided in NRS 616B.710, no officer or employee of this state, or of any public agency, public authority o…

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 the…

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 …

NRS 686A.250 Use of insurance or annuity as inducement for purchase or rental of property or services without separate charge 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 t…

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 hear…

NRS 686A.270 Knowledge of insurer of prohibited acts required for violation. 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…

NRS 686A.280 Use of name deceptively implying person is insurer prohibited by person who is not insurer. 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) INSURANCE FRAUD

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; 2…

NRS 686A.2815 “Insurance fraud” defined. 1. “Insurance fraud” means knowingly and willfully: (a) Presenting or causing to be presented any statement to an insurer, a reinsurer, a producer, a broker or any agent thereof, if the person who presents or causes the presentation of the…

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 wh…

NRS 686A.2825 “Practitioner” defined. “Practitioner” means: 1. A physician, genetic counselor, dentist, nurse, dispensing optician, optometrist, physical therapist, podiatric physician, psychologist, chiropractic physician, naprapath, doctor of Oriental medicine in any form, dire…

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 a…

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 …

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 enforcem…

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…

NRS 686A.290 Applications for insurance: False or fraudulent statements or representations prohibited; 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 i…

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)