Nev. Admin. Code § 686A.220 - Insurer prohibited from taking certain actions with respect to property or casualty insurance on basis of status of person as victim or potential victim of domestic violence; permissible bases for action; exceptions

1. Except as otherwise provided in this section, an insurer shall not:

(a) Deny or refuse to accept an application for property or casualty insurance;

(b) Refuse to issue or renew a policy of property or casualty insurance;

(c) Cancel, restrict or otherwise terminate a policy of property or casualty insurance; or

(d) Charge a person a rate for property or casualty insurance coverage that is different from the rate that the insurer charges another person for the same coverage, solely because the person applying for or covered by the policy of property or casualty insurance is, has been or may be a victim of an act that constitutes domestic violence pursuant to NRS 33.018.

2. Nothing in this section prohibits an insurer from taking any of the actions described in subsection 1 upon the basis of:

(a) The historical loss experience of the applicant or insured;

(b) A medical condition with which the applicant or insured is afflicted; or

(c) Any other reason not otherwise prohibited by law.

3. The prohibition set forth in subsection 1 does not apply with respect to the following lines of insurance:

(a) Ocean marine insurance;

(b) Workers' compensation insurance;

(c) Property insurance for business and commercial risks; and

(d) Casualty insurance for business and commercial risks other than insurance covering the liability of a practitioner licensed pursuant to chapters 630 to 640, inclusive, of NRS.

Notes

Nev. Admin. Code § 686A.220

Added to NAC by Div. of Insurance by R089-98, eff. 9-25-98

NRS 679B.130, 686A.015