ovide evidence of insurance; contents. If insurance for the operation of a motor vehicle required pursuant to NRS 485.185 is provided by a contract of insurance, the insurer shall: 1. Provide evidence of insurance to the insured on a form approved by the Commissioner. The evidence of insurance must include: (a) The name and address of the policyholder; (b) The name and address of the insurer; (c) The year, make and complete identification number of the insured vehicle or vehicles; (d) The term of the insurance, including the day, month and year on which the policy: (1) Becomes effective; and (2) Expires; (e) The number of the policy; (f) A statement that the coverage meets the requirements set forth in NRS 485.185; and (g) The statement “This card must be carried in the insured motor vehicle for production upon demand.” The statement must be prominently displayed. 2. Provide new evidence of insurance if: (a) The information regarding the insured vehicle or vehicles required pursuant to paragraph (c) of subsection 1 no longer is accurate; (b) An additional motor vehicle is added to the policy; (c) A new number is assigned to the policy; or (d) The insured notifies the insurer that the original evidence of insurance has been lost. (Added to NRS by 1981, 1695; A 1985, 1560; 1987, 1100, 1498, 1499; 1991, 1632; 1993, 2490; 1995, 2743) NRS 690B.025 Primary and excess coverage; garageman required to post notice. 1. If two or more policies of liability insurance covering the same motor vehicle are in effect when the motor vehicle is involved in an incident which results in a claim against the policies: (a) If the motor vehicle was being operated by a person engaged in the business of selling, repairing, servicing, delivering, testing, road testing, parking or storing motor vehicles, or by his agent or employee while in pursuit of that business, the policy issued to that business shall be deemed to be primary and any other policy shall be deemed to provide excess coverage. (b) If the motor vehicle was being operated by a person described in paragraph (a) in any pursuit other than of that business, or by some other person, the policy issued to the operator of the vehicle shall be deemed to be primary and any policy issued to the business shall be deemed to provide excess coverage. (c) If, while his own vehicle was being repaired or serviced in the bailment of a garageman engaged in the business of repairing or servicing motor vehicles, the customer is lent by the garageman a motor vehicle for use during the time required to complete the repairs or service, the policy issued to the customer shall be deemed to be primary and all other policies shall be deemed to provide excess coverage. A garageman engaged in the business of repairing or servicing motor vehicles who loans his customer a vehicle for use during the time required to complete the repairs or service shall provide express notice to the customer that the customer’s policy of insurance will provide primary coverage while the customer is operating that vehicle. 2. The provisions in subsection 1 may be modified but only by a written agreement signed by all the insurers who have issued policies applicable to a claim described in subsection 1 and by all the insureds under those policies. 3. This section applies only to policies of liability insurance issued or renewed on or after July 1, 1981. (Added to NRS by 1981, 180; A 1987, 451) NRS 690B.028 Insurer prohibited from taking adverse action because juvenile violated speed limit in certain cases. An insurer shall not impose on an insured or group of insured an increase in rates for motor vehicle insurance because of a conviction or a finding by a juvenile court of a violation of the speed limit under the circumstances described in subsection 1 of NRS 484.3685, nor shall an insurer cancel or refuse to renew a policy of insurance for that reason. (Added to NRS by 1997, 2525) NRS 690B.029 Mandatory provision for reduction of premiums for certain persons 55 years of age or older. 1. A policy of insurance against liability arising out of the ownership, maintenance or use of a motor vehicle delivered or issued for delivery in this State to a person who is 55 years of age or older must contain a provision for the reduction in the premiums for 3-year periods if the insured: (a) Successfully completes, after attaining 55 years of age and every 3 years thereafter, a course of traffic safety approved by the Department of Motor Vehicles; and (b) For the 3-year period before completing the course of traffic safety and each 3-year period thereafter: (1) Is not involved in an accident involving a motor vehicle for which the insured is at fault; (2) Maintains a driving record free of violations; and (3) Has not been convicted of or entered a plea of guilty or nolo contendere to a moving traffic violation or an offense involving: (I) The operation of a motor vehicle while under the influence of intoxicating liquor or a controlled substance; or (II) Any other conduct prohibited by NRS 484.379, 484.3795 or 484.37955 or a law of any other jurisdiction that prohibits the same or similar conduct. 2. The reduction in the premiums provided for in subsection 1 must be based on the actuarial and loss experience data available to each insurer and must be approved by the Commissioner. Each reduction must be calculated based on the amount of the premium before any reduction in that premium is made pursuant to this section, and not on the amount of the premium once it has been reduced. 3. A course of traffic safety that an insured is required to complete as the result of moving traffic violations must not be used as the basis for a reduction in premiums pursuant to this section. 4. The organization that offers a course of traffic safety approved by the Department of Motor Vehicles shall issue a certificate to each person who successfully completes the course. A person must use the certificate to qualify for the reduction in the premiums pursuant to this section. 5. The Commissioner shall review and approve or disapprove a policy of insurance that offers a reduction in the premiums pursuant to subsection 1. An insurer must receive written approval from the Commissioner before delivering or issuing a policy with a provision containing such a reduction. (Added to NRS by 1989, 1679; A 1995, 2481; 1999, 3436; 2001, 2636; 2003, 1505; 2005, 172) NRS 690B.031 Reduction in premium of certain policies of insurance required if motor vehicle is equipped with air bag and other safety device; calculation; approval of Commissioner. 1. A policy of insurance providing coverage arising out of the ownership, maintenance or use of a motor vehicle which is delivered or issued for delivery in this State and includes coverage for the payment of reasonable and necessary medical expenses or uninsured and underinsured motorists coverage, or both, must contain a provision for the reduction in the premium for such coverage if the motor vehicle: (a) Is equipped with an air bag on the driver’s side of the front seat or air bags on the driver’s side and passenger’s side of the front seat; and (b) Contains any other safety device, other than safety belts, which substantially enhances the safety of the occupants of the motor vehicle. 2. The reduction in premiums required by subsection 1 must be based upon the actuarial and loss experience data available to each insurer and must be approved by the Commissioner. The insurer may offer additional reductions in premiums pursuant to the requirements set forth in subsection 1 if they are approved by the Commissioner. Each reduction must be calculated based on the amount of the premi

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