Title 57

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)

NRS 686A.292 Additional penalties for insurance fraud; payment of expenses of Fraud Control Unit; persons who are victims for purposes of restitution. 1. A court may, in addition to imposing the penalties set forth in NRS 193.130, order a person who is convicted of, or who pleads…

NRS 686A.295 Commissioner and Attorney General required to notify agency when person licensed by or registered with agency is convicted of insurance fraud. If a person who is licensed or registered under the laws of the State of Nevada to engage in a business or profession is con…

NRS 686A.297 Definitions. As used in NRS 686A.297 to 686A.2983, inclusive, unless the context otherwise requires, the words and terms defined in NRS 686A.2971 to 686A.2979, inclusive, have the meanings ascribed to them in those sections. (Added to NRS by 2025, 2048)

NRS 686A.2971 “Covered material” defined. “Covered material” means any material for which: 1. Reimbursement from a provider of vision insurance is provided to a provider of vision care by a vision benefit plan of an enrollee, or for which a reimbursement would be available but fo…

NRS 686A.2972 “Covered services” defined. “Covered services” means the professional work performed by a provider of vision care for which: 1. Reimbursement from a provider of vision insurance is provided to a provider of vision care by a vision benefit plan of an enrollee, or for…

NRS 686A.2973 “Enrollee” defined. “Enrollee” means any person participating in or entitled to receive covered services or covered materials through a vision benefit plan or vision benefit discount plan that is purchased by the person or provided to the person by another person or…

NRS 686A.2974 “Materials” defined. “Materials” means ophthalmic devices, including, without limitation, lenses, devices containing lenses, artificial intraocular lenses, ophthalmic frames and other lens mounting apparatuses, prisms, lens treatments and coatings, contact lenses, l…

NRS 686A.2975 “Provider of vision care” defined. “Provider of vision care” means a physician who provides vision care or an optometrist. (Added to NRS by 2025, 2049)

NRS 686A.2976 “Provider of vision insurance” defined. “Provider of vision insurance” means a person, including, without limitation, an insurer, who creates, promotes, sells, provides, operates, advertises or administers a vision benefit plan or vision benefit discount plan. (Adde…

NRS 686A.2977 “Vision benefit discount plan” defined. “Vision benefit discount plan” means a policy, contract, certificate or agreement offered by a provider of vision insurance to an enrollee that solely provides for a discount for covered services or covered materials. (Added t…

NRS 686A.2978 “Vision benefit plan” defined. 1. “Vision benefit plan” means a policy, contract, certificate or agreement offered by a provider of vision insurance to provide for, deliver payment for, arrange for the payment of, pay for or reimburse any of the costs of vision care…

NRS 686A.2979 “Vision care” defined. “Vision care” means routine ophthalmological evaluation of the eye, including refraction. (Added to NRS by 2025, 2049)

NRS 686A.298 Prohibited provisions in contract between provider of vision insurance and provider of vision care; provider of vision insurance required to provide list of reimbursement rates to provider of vision care before entering contract; provider of vision insurance required…

NRS 686A.2981 Prohibited acts by provider of vision insurance. A provider of vision insurance shall not directly or indirectly: 1. Control or attempt to control the professional judgment, manner of practice or practice of a provider of vision care. 2. Employ a provider of vision …

NRS 686A.2982 Providers of vision insurance prohibited from requiring providers of vision care to participate in other vision benefit plans or vision benefit discount plans of provider of vision insurance. A provider of vision insurance that offers more than one vision benefit pl…

NRS 686A.2983 Requirements deemed to be included in vision benefit plans, vision benefit discount plans and contracts between provider of vision insurance and provider of vision care. A vision benefit plan, a vision benefit discount plan or a contract between a provider of vision…

NRS 686A.300 Delay in payment of claim for damages to motor vehicle after receipt of statement of charges prohibited; settling claim without providing for repair of vehicle permitted; exception. 1. An insurer who issues insurance covering damage to a motor vehicle shall not delay…

NRS 686A.310 Unfair practices in settling claims; liability of insurer for damages. 1. Engaging in any of the following activities is considered to be an unfair practice: (a) Misrepresenting to insureds or claimants pertinent facts or insurance policy provisions relating to any c…

NRS 686A.313 Required coordination by multiple insurers for certain dental claims; denial of claim prohibited; regulations. 1. The following provisions apply to a claim for payment submitted for services provided by an oral and maxillofacial surgeon which may be covered, in whole…

NRS 686A.315 Statements required with certain billing and claim forms submitted to insurers; failure to provide statements not defense in prosecution for insurance fraud. 1. If a hospital submits to an insurer the form prescribed by the Director of the Nevada Health Authority pur…

NRS 686A.325 Settlement of third-party liability claims: Written notice of payment to claimant required; effect of failure to serve notice. 1. In any third-party liability claim, an insurer shall not issue a check or draft or otherwise make payment of $5,000 or more in settlement…

NRS 686A.330 Definitions. As used in NRS 686A.330 to 686A.520, inclusive, unless the context otherwise requires: 1. “Agreement” means a contract between a person and an insured or prospective insured under which the person agrees to pay a premium in advance on behalf of the insur…

NRS 686A.335 Applicability of chapter 696B of NRS. 1. A company is subject to the provisions of chapter 696B of NRS. 2. For the purposes of chapter 696B of NRS, a company shall be deemed to be an insurer. (Added to NRS by 1995, 1621)

NRS 686A.340 Engaging in business of company without license prohibited; exception. Except as provided in NRS 686A.350, a person shall not engage in the business of a company or hold himself or herself out as a company without first having received a license from the Commissioner…

NRS 686A.350 Exemptions from requirement of licensing. 1. A license to engage in the business of a company is not required of any: (a) State or federally chartered building association, savings and loan association or savings bank. (b) State or federally chartered bank. (c) State…

NRS 686A.360 Application for license: Form; fees; bond; required documents; provision of material changes to Commissioner. 1. An application for a license to engage in the business of a company must be filed with the Commissioner on a form prescribed by the Commissioner and must …

NRS 686A.370 True name and fictitious name of applicant or licensee; grounds for disapproval of name. 1. An unincorporated licensee or unincorporated applicant for a license who desires the issuance of a license under a fictitious name must file with the Commissioner a certified …

NRS 686A.380 Renewal of license. 1. A company must renew its license on or before March 1 of each year. An application for renewal must be submitted on a form prescribed by the Commissioner and must be accompanied by: (a) A financial statement for the preceding year; and (b) A fe…

NRS 686A.385 Schedule of rates and charges: Required to be filed with Commissioner for approval; filing of changes; inclusion in schedule required for imposition. 1. A company shall, immediately after it has been issued a license, file with the Commissioner a schedule of rates an…

NRS 686A.390 Approval of forms. 1. Before using a form for an agreement or notice required by this chapter, a company must submit the proposed form to the Commissioner for approval. If the Commissioner does not disapprove a form within 60 days after it is submitted, the form shal…

NRS 686A.400 Records: Maintenance; form of preservation; open to Commissioner. 1. A company shall maintain records of each transaction for 3 years after making the final entry with respect to the transaction. The records may be preserved in photographic form, on microfilm or micr…