Strategies, Challenges, and Answers

Nevada’s Auto Liability Compulsory Insurance Minimums Have Risen

Increase in Minimum LimitsI have been practicing law in Nevada for nearly 30 years. For as long as I can remember, Nevada has required autos registered in this state to have bodily injury automobile liability insurance of at least $15,000 per person / $30,000 per occurrence.  The minimum automobile liability limit for property damages has been set at $10,000 per occurrence.  NRS 485.185 and NRS 485.3091.

That changed on July 1, 2018. An increase in the minimum limits took effect.  On that date, the required bodily injury liability limits increased to $25,000 per person / $50,000 per occurrence and the property damage liability limit will increase to $20,000 per occurrence.

Senate Bill 308, passed during the 2017 legislative session brought about this change.  This Compulsory Insurance increase in minimum auto liability limits will have wide-ranging impact.  For example, the liability limit also increased for short-term auto rentals.  See, NRS 482.305.  If a driver is involved in an accident and does not have these new minimum limits of coverage or cannot satisfy a judgment for an amount of the minimum limits, Nevada will suspend that driver’s license or issue a notice to the state of that driver asking that his or her license be suspended.  NRS 485.210 and NRS 485.304.

Furthermore, the minimum uninsured/underinsured limits that must be offered must be no less than the minimum limits of liability insurance established by NRS chapter 485.  NRS 690B.020.

While these new requirements increase the amount of coverage available to injured people, they also increased the premiums of those drivers who have had $15,000 / $30,000 / $10,000 minimum liability limits.  If you have questions about insurance and coverage law in Nevada, please do not hesitate to contact Mike Mills at 702.240.6060×114.  He will be glad to speak with you.

About Michael Mills

Mr. Mills practices in the area of civil litigation and appeals, with particular experience in matters involving trucking liability, insurance defense, insurance coverage, premises liability, products liability and defense of personal injury. Mr. Mills is a member of the Trucking Insurance Defense Association, the Defense Research Institute Trucking Committee and the Nevada Motor Transport Association. Mr. Mills is licensed to practice before the Nevada Supreme Court and the Utah Supreme Court. He is also licensed to appear before the United States Supreme Court, the U.S. District Courts for the Districts of Nevada and Utah, as well as the U.S. Court of Appeals for the Ninth Circuit. Mr. Mills has created 3 Blogs for the benefit of the insurance industry. He serves as editor and publisher of the Nevada Insurance Law Blog, the Nevada Coverage and Bad Faith Blog and the Nevada Trucking Law Blog.

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