033) NRS 687B.360 Information about grounds. If a notice of cancellation or nonrenewal under NRS 687B.310 to 687B.420, inclusive, does not state with reasonable precision the facts on which the insurer’s decision is based, the insurer shall supply that information within 6 days after receipt of a written request by the policyholder. No notice is effective unless it contains adequate information about the policyholder’s right to make such a request. (Added to NRS by 1971, 1725; A 1971, 1950; 1993, 2399; 2003, 3314) NRS 687B.370 Information about applying for insurance through certain plans; exception. Except for a notice of cancellation for the failure to pay a premium when due, no notice required pursuant to NRS 687B.310 to 687B.420, inclusive, is effective unless it contains adequate instructions enabling the policyholder to apply for insurance through any voluntary or mandatory risk-sharing plan established pursuant to NRS 686B.180 and 686B.200 existing at the time of the notice, for which the policyholder may be eligible. (Added to NRS by 1971, 1726; A 1985, 577; 1993, 2400; 2003, 3314) NRS 687B.380 Immunity. There is no liability on the part of and no cause of action of any nature may arise against any insurer, its authorized representative, its agents, its employees, or any person furnishing to the insurer information as to reasons for cancellation or nonrenewal, for any statement made by them in complying with NRS 687B.310 to 687B.420, inclusive, or for the providing of information pertaining thereto. (Added to NRS by 1971, 1726; A 1993, 2400; 2003, 3315) NRS 687B.385 Cancellation, nonrenewal or increase in premium due to claims for which insured was not at fault prohibited. An insurer shall not cancel, refuse to renew or increase the premium for renewal of a policy of motor vehicle insurance covering private passenger cars or commercial vehicles as a result of any claims made under the policy with respect to which the insured was not at fault. (Added to NRS by 1987, 1063; A 1997, 3033) NRS 687B.390 Cancellation or nonrenewal on sole basis of age, residence, race, color, creed, national origin, ancestry or occupation prohibited. No insurer shall cancel or refuse to renew an automobile liability insurance policy solely because of the age, residence, race, color, creed, national origin, ancestry or occupation of anyone who is an insured. (Added to NRS by 1971, 1726) NRS 687B.400 Discrimination on sole basis of age prohibited; burden of proof; exception. 1. No insurer shall refuse to issue, reduce liability limits of, or increase the premium of any automobile liability insurance policy issued to a resident of this state for the sole reason that the policyholder has reached a certain age. 2. Where age is a factor in an increase of rates for an individual policyholder, the increase must be justified to the Commissioner and the burden of proving justification is on the insurer. If a medical examination is required for the purpose of a rate increase, such examination shall be at the expense of the insurer. 3. This section does not apply to applicants and policyholders under the age of 25 years. (Added to NRS by 1973, 251) NRS 687B.410 Withdrawal of insurance for particular class of insureds: Notice; administrative review. 1. An insurer which intends to withdraw from providing insurance for a particular class of insureds shall notify the Commissioner of that intention at least 60 days before the notice of cancellation or nonrenewal is delivered or mailed to the insureds. 2. Upon receipt of a written request from an insured, the Division shall, within 15 days after the receipt of the request, review the ground for cancellation or nonrenewal. If after the review the Division fails to find that the insurer can demonstrate the grounds for cancellation or nonrenewal by clear and convincing evidence, the cancellation or nonrenewal shall be deemed withdrawn by the insurer and the policy reinstated or renewed. Such a request for review by the Division must be made within 30 days after the insured receives the notice of cancellation or nonrenewal. (Added to NRS by 1987, 985; A 1991, 1631; 1993, 1918) NRS 687B.420 Notice of proposed cancellation, nonrenewal or alteration of terms of certain policies or contracts of insurance. An insurer shall not cancel, fail to renew or renew with altered terms a policy or contract issued pursuant to chapter 688B, 689A, 689B, 689C, 695A, 695B, 695C, 695D or 695F of NRS unless notice in writing of the proposal is given to the insured at least 60 days before the date the proposed action becomes effective. The notice must include, without limitation, any changes in specific rates by line of coverage. (Added to NRS by 1989, 1248; A 1993, 1982, 2400, 2405) NRS 687B.430 Regulations: Policies which provide for payment of expenses not covered by Medicare; sale of more than one policy of health insurance to same person. 1. The Commissioner may adopt regulations relating to the form, content and sale of policies of insurance which provide for the payment of expenses which are not covered by Medicare. 2. The Commissioner may adopt regulations relating to the sale of more than one policy of health insurance to the same person. 3. As used in this section, “Medicare” means the program of health insurance for aged and disabled persons established pursuant to Title XVIII of the Social Security Act (42 U.S.C. §§ 1395 et seq.). (Added to NRS by 1993, 2398) NRS 687B.440 Umbrella policies: Disclosure statement indicating whether policy includes uninsured or underinsured motorist coverage; form. 1. An insurer offering an umbrella policy to an individual shall obtain a signed disclosure statement from the individual indicating whether the umbrella policy includes uninsured or underinsured vehicle coverage. 2. The disclosure statement for an umbrella policy that includes uninsured or underinsured vehicle coverage must be on a form provided by the Commissioner or in substantially the following form: UMBRELLA POLICY DISCLOSURE STATEMENT UNINSURED/UNDERINSURED VEHICLE COVERAGE ¨ Your Umbrella Policy does provide coverage in excess of the limits of the uninsured/underinsured vehicle coverage in your primary auto insurance only if the requirements for the uninsured/underinsured vehicle coverage in your underlying auto insurance are maintained. Your uninsured/underinsured vehicle coverage provided by this umbrella policy is limited to $........ . I understand and acknowledge the above disclosure. .................................................. ............................... Insured Date 3. The disclosure statement for an umbrella policy that does not include uninsured or underinsured vehicle coverage must be on a form provided by the commissioner or in substantially the following form: ¨ Your Umbrella Liability Policy does not provide any uninsured/underinsured vehicle coverage. I understand and acknowledge the above disclosure. .................................................. ............................... Insured Date 4. As used in this section, “umbrella policy” means a policy that protects a person against losses in excess of the underlying amount required to be covered by other policies. (Added to NRS by 1997, 3031; A 1999, 2801) CHAPTER 689 - FUNERAL AND BURIAL SERVICES GENERAL PROVISIONS NRS 689.015 Definitions. NRS 689.035 “Agent” defined. NRS 689.045 “Buyer” defined. NRS 689.065 “Net purchase price” defined. NRS 689.105 “Purchase price” defined. NRS 689.115 “Sales commission” defined. NRS 689.125 “Sell

Vegas Law