EXPLANATION – Matter in bolded italics is new; matter between brackets [omitted material] is material to be omitted. Green numbers along left margin indicate location on the printed bill (e.g., 5-15 indicates page 5, line 15).

1-1 Section 1. NRS 482.215 is hereby amended to read as follows:

1-2 482.215 1. All applications for registration, except applications for

1-14 be paid.

2-1 (d) A brief description of the vehicle to be registered, including the

2-2 name of the maker, the engine, identification or serial number, whether the

2-3 vehicle is new or used and the last license number, if known, and the state

2-4 in which it was issued, and [upon] for the registration of a new vehicle, the

2-5 date of sale by the manufacturer or franchised and licensed dealer in this

2-6 state for the make to be registered to the person first purchasing or

2-7 operating the vehicle.

2-8 (e) Proof satisfactory to the department or registered dealer that the

2-9 applicant has provided the insurance required by NRS 485.185 and his

2-10 signed declaration that he will maintain the insurance during the period of

2-11 registration.

2-12 (f) If the insurance is provided by a contract of insurance, evidence of

2-13 that insurance provided by the insurer in the form of:

2-14 (1) A certificate of insurance on a form approved by the

2-15 commissioner of insurance; or

2-16 (2) A [card] form issued pursuant to NRS 690B.023 which identifies

2-17 the vehicle and indicates, at the time of application for registration,

2-18 coverage which [meets] complies with the requirements of NRS 485.185.

2-19 The department may file that evidence, return it to the applicant or

2-20 otherwise dispose of it.

2-21 (g) If required, evidence of the applicant’s compliance with controls

2-22 over emission.

2-23 4. The application must contain such other information as is required

2-24 by the department or registered dealer, and must be accompanied by proof

2-25 of ownership satisfactory to the department.

2-26 5. For purposes of the proof, declaration and evidence required by

2-27 paragraphs (e) and (f) of subsection 3:

2-28 (a) Vehicles which are subject to the fee for a license and the

2-29 requirements of registration of the Interstate Highway User Fee

2-30 Apportionment Act, and which are based in this state, may be declared as a

2-31 fleet by the registered owner thereof, on his original application for or

2-32 application for renewal of a proportional registration. The owner may file a

2-33 single certificate of insurance [covering] for that fleet.

2-34 (b) Other fleets composed of 10 or more vehicles based in this state or

2-35 vehicles insured under a blanket policy which does not identify individual

2-36 vehicles may each be declared annually as a fleet by the registered owner

2-37 thereof for the purposes of an application for his original or any renewed

2-38 registration. The owner may file a single certificate of insurance [covering]

2-39 for that fleet.

2-40 (c) A person who qualifies as a self-insurer pursuant to the provisions of

2-41 NRS 485.380 may file a copy of his certificate of self-insurance.

3-1 [(d) A person who qualifies for an operator’s policy of liability

3-2 insurance pursuant to the provisions of NRS 485.186 and 485.3091 may

3-3 file evidence of that insurance.]

3-4 Sec. 2. Chapter 485 of NRS is hereby amended by adding thereto a

3-5 new section to read as follows:

3-6 1. An operator’s policy of liability insurance must state, in addition

3-7 to the requirements of NRS 485.3091, that:

3-8 (a) The insurer is only liable under the policy for liability incurred by

3-9 the insured while the named insured is the operator of a motor vehicle or

3-10 while a motor vehicle owned by the insured is not being operated by any

3-11 person;

3-12 (b) The policy does not provide coverage for any vicarious liability

3-13 imposed on the owner of the motor vehicle as a result of the operation by

3-14 another person of a motor vehicle owned by the insured or for any

3-15 liability imposed by NRS 41.440 or 483.300; and

3-16 (c) The coverage provided by the policy may not meet the

3-17 requirements of the financial responsibility laws of other states,

3-18 unless such extended coverage is expressly included in the policy. No

3-19 operator’s policy of liability insurance may be delivered or issued for

3-20 delivery in this state unless the insured has signed an endorsement

3-21 stating that he has read and understood the policy and its limitations.

3-22 2. An operator’s policy of liability insurance must not provide

3-23 coverage for damages incurred while a person other than the named

3-24 insured is operating a motor vehicle.

3-25 3. An operator’s policy of liability insurance must provide coverage

3-26 for liability incurred by the insured while a motor vehicle owned by the

3-27 insured is not being operated by any person.

3-28 Sec. 3. NRS 485.0335 is hereby amended to read as follows:

3-29 485.0335 "Dormant vehicle" means a motor vehicle:

3-33 mechanical or seasonal circumstances.

3-34 Sec. 4. NRS 485.034 is hereby amended to read as follows:

3-35 485.034 "Evidence of insurance" means:

3-40 [department] division pursuant to NRS 485.380.

3-41 Sec. 5. NRS 485.186 is hereby amended to read as follows:

3-42 485.186 [1. Except as otherwise provided in subsection 6, any

3-43 natural] A person may not satisfy the requirements of NRS 485.185 by

4-1 obtaining, in lieu of an owner’s policy of liability insurance, an operator’s

4-2 policy of liability insurance . [which meets the requirements of this section

4-3 and NRS 485.3091.

4-4 2. An operator’s policy of liability insurance must state, in addition to

4-5 the requirements of NRS 485.3091, that:

4-6 (a) The insurer is only liable under the policy for liability incurred by

4-7 the insured while the named insured is the operator of a motor vehicle or

4-8 while a motor vehicle owned by the insured is not being operated by any

4-9 person;

4-10 (b) The policy does not provide coverage for any vicarious liability

4-11 imposed on the owner of the motor vehicle as a result of the operation by

4-12 another person of a motor vehicle owned by the insured or for any liability

4-13 imposed by NRS 41.440 or 483.300; and

4-14 (c) The coverage provided by the policy may not meet the requirements

4-15 of the financial responsibility laws of other states,

4-16 unless such extended coverage is expressly included in the policy. No

4-17 operator’s policy of liability insurance may be delivered or issued for

4-18 delivery in this state unless the insured has signed an endorsement stating

4-19 that he has read and understood the policy and its limitations.

4-20 3. An owner of a motor vehicle which is registered or required to be

4-21 registered in this state and who holds an operator’s policy of liability

4-22 insurance shall not permit another person to operate his motor vehicle if the

4-23 owner knows or should have known that the person does not have liability

4-24 insurance to cover his own operation of that motor vehicle.

4-25 4. An operator’s policy of liability insurance must not provide

4-26 coverage for damages incurred while a person other than the named insured

4-27 is operating a motor vehicle.

4-28 5. An operator’s policy of liability insurance must provide coverage for

4-29 liability incurred by the insured while a motor vehicle owned by the insured

4-30 is not being operated by any person.

4-31 6. This section does not apply to a lessor, dealer, manufacturer,

4-32 rebuilder or distributor of a motor vehicle, an owner of a fleet, a common,

4-33 contract or private motor carrier or any other employer who owns a motor

4-34 vehicle for use in his business.]

4-35 Sec. 6. NRS 485.187 is hereby amended to read as follows:

4-36 485.187 1. Except as otherwise provided in subsection 5, the owner

4-43 vehicle.

5-1 (c) Fail or refuse to surrender, upon demand, to a peace officer or to an

5-2 authorized representative of the department the evidence of insurance.

5-3 (d) Knowingly permit the operation of the motor vehicle in violation of

5-4 subsection 3 of NRS 485.186.

5-5 2. A person shall not operate the motor vehicle of another person

5-6 unless:

5-7 (a) He first ensures that the required evidence of insurance is present in

5-8 the motor vehicle; or

5-9 (b) He has his own evidence of insurance which [covers] provides

5-10 coverage for him as the operator of the motor vehicle.

5-11 3. Except as otherwise provided in subsection 4, any person who

5-12 violates subsection 1 or 2 is guilty of a misdemeanor. Except as otherwise

5-13 provided in this subsection, in addition to any other penalty, a person

5-14 sentenced pursuant to this subsection shall be punished by a fine of not

5-15 less than $600 [nor] and not more than $1,000 for each violation. The fine

5-16 must be reduced to $100 for the first violation if the person obtains a motor

5-17 vehicle liability policy [not later than 30 days after the fine is imposed,] of

5-18 liability insurance by the time of sentencing, unless:

5-19 (a) The person has registered the vehicle as part of a fleet of vehicles

5-20 pursuant to subsection 5 of NRS 482.215; or

5-21 (b) The person has been issued a certificate of self-insurance pursuant to

5-22 NRS 485.380.

5-23 4. A court:

5-24 (a) Shall not find a person guilty or fine a person for a violation of

5-25 paragraph (a), (b) or (c) of subsection 1 or for a violation of subsection 2 if

5-26 he presents evidence to the court that the insurance required by NRS

5-27 485.185 was in effect at the time demand was made for it.

5-28 (b) Except as otherwise provided in paragraph (a), may impose a fine of

5-29 not more than $1,000 for a violation of paragraph (a), (b) or (c) of

5-30 subsection 1, and suspend a portion of the fine on the condition that the

5-31 person presents proof to the court each month for 12 months that the

5-32 insurance required by NRS 485.185 is [currently] in effect.

5-33 5. The provisions of paragraphs (b) and (c) of subsection 1 do not

5-34 apply if the motor vehicle in question displays a [valid] permit issued by

5-35 the department pursuant to subsection 1 or 2 of NRS 482.3955, or NRS

5-36 482.396, 482.3965, 482.423 or 482.424 authorizing the movement or

5-37 operation of that vehicle within [the] this state for a limited time.

5-38 Sec. 7. NRS 485.187 is hereby amended to read as follows:

5-39 485.187 1. Except as otherwise provided in subsection 5, the owner

5-40 of a motor vehicle shall not:

5-41 (a) Operate the motor vehicle, if it is registered or required to be

5-42 registered in this state, without having insurance as required by NRS

5-43 485.185.

6-1 (b) Operate or knowingly permit the operation of the motor vehicle

6-2 without having evidence of insurance of the operator or the vehicle in the

6-3 vehicle.

6-4 (c) Fail or refuse to surrender, upon demand, to a peace officer or to an

6-5 authorized representative of the department the evidence of insurance.

6-6 [(d) Knowingly permit the operation of the motor vehicle in violation of

6-7 subsection 3 of NRS 485.186.]

6-8 2. A person shall not operate the motor vehicle of another person

6-9 unless:

6-10 (a) He first ensures that the required evidence of insurance is present in

6-11 the motor vehicle; or

6-12 (b) He has his own evidence of insurance which provides coverage for

6-13 him as the operator of the motor vehicle.

6-14 3. Except as otherwise provided in subsection 4, any person who

6-15 violates subsection 1 or 2 is guilty of a misdemeanor. Except as otherwise

6-16 provided in this subsection, in addition to any other penalty, a person

6-17 sentenced pursuant to this subsection shall be punished by a fine of not less

6-18 than $600 and not more than $1,000 for each violation. The fine must be

6-19 reduced to $100 for the first violation if the person obtains [a motor vehicle

6-20 liability] an owner’s policy of liability insurance by the time of sentencing,

6-21 unless:

6-22 (a) The person has registered the vehicle as part of a fleet of vehicles

6-23 pursuant to subsection 5 of NRS 482.215; or

6-24 (b) The person has been issued a certificate of self-insurance pursuant to

6-25 NRS 485.380.

6-26 4. A court:

6-27 (a) Shall not find a person guilty or fine a person for a violation of

6-28 [paragraph (a), (b) or (c) of] subsection 1 or [for a violation of subsection]

6-29 2 if he presents evidence to the court that the insurance required by NRS

6-30 485.185 was in effect at the time demand was made for it.

6-31 (b) Except as otherwise provided in paragraph (a), may impose a fine of

6-32 not more than $1,000 for a violation of [paragraph (a), (b) or (c) of]

6-33 subsection 1, and suspend a portion of the fine on the condition that the

6-34 person presents proof to the court each month for 12 months that the

6-35 insurance required by NRS 485.185 is in effect.

6-36 5. The provisions of paragraphs (b) and (c) of subsection 1 do not

6-37 apply if the motor vehicle in question displays a permit issued by the

6-38 department pursuant to subsection 1 or 2 of NRS 482.3955, or NRS

6-39 482.396, 482.3965, 482.423 or 482.424 authorizing the movement or

6-40 operation of that vehicle within this state for a limited time.

6-41 Sec. 8. NRS 485.190 is hereby amended to read as follows:

6-42 485.190 1. If 20 days after the receipt of a report of an accident

6-43 involving a motor vehicle within this state which has resulted in bodily

7-1 injury or death, or damage to the property of any one person in excess of

7-2 $750, the division does not have on file evidence satisfactory to [it] the

7-3 division that the person who would otherwise be required to file security

7-4 under subsection 2 of this section has been released from liability, has been

7-5 finally adjudicated not to be liable or has executed an acknowledged

7-6 written agreement providing for the payment of an agreed amount in

7-7 installments with respect to all claims for injuries or damages resulting

7-8 from the accident, the division shall upon request set the matter for a

7-9 hearing as provided in NRS 485.191.

7-10 2. The division shall, at any time after a determination adverse to an

7-11 operator or owner pursuant to NRS 485.191, suspend the license of each

7-12 operator and all registrations of each owner of a motor vehicle involved in

7-13 such an accident, and, if the operator is a nonresident, the privilege of

7-14 operating a motor vehicle within this state, and, if the owner is a

7-15 nonresident, the privilege of the use within this state of any motor vehicle

7-16 owned by him, unless the operator or owner, or both, deposit security in the

7-17 sum so determined by the division. Notice of such a suspension must be

7-18 sent by the division to the operator and owner not less than 10 days before

7-19 the effective date of the suspension and must state the amount required as

7-20 security. [Where] If erroneous information is given to the division with

7-21 respect to the matters set forth in [paragraph (a), (b) or (c) of] subsection 1 ,

7-22 2 or 3 of NRS 485.200, the division shall take appropriate action as

7-23 provided in this section after it receives correct information with respect to

7-24 those matters.

7-25 Sec. 9. NRS 485.200 is hereby amended to read as follows:

7-26 485.200 [1.] The requirements [as] relating to security and

7-43 at the time of the accident;

8-1 [(g)] 7. To the owner of a motor vehicle if at the time of the accident

8-2 the vehicle was being operated without his permission, express or implied,

8-3 or was parked by a person who had been operating the motor vehicle

8-4 without permission; or

8-5 [(h)] 8. If, before the date that the division would otherwise suspend

8-6 the license and registration or nonresident’s operating privilege pursuant to

8-7 NRS 485.190, there is filed with the division evidence satisfactory to [it]

8-8 the division that the person who would otherwise have to file security has

8-9 been released from liability or has received a determination in his favor at a

8-10 hearing conducted pursuant to NRS 485.191, or has been finally

8-11 adjudicated not to be liable or has executed an acknowledged written

8-12 agreement providing for the payment of an agreed amount in installments,

8-13 with respect to all claims for injuries or damages resulting from the

8-14 accident.

8-15 [2. An owner who is not the operator of the motor vehicle is not

8-16 exempt from the requirements as to security and suspension in NRS

8-17 485.190 to 485.300, inclusive, if he holds a motor vehicle liability policy

8-18 which provides coverage only when he is operating the motor vehicle and,

8-19 at the time of the accident, another person is operating the motor vehicle

8-20 with the express or implied permission of the owner.]

8-21 Sec. 10. NRS 485.280 is hereby amended to read as follows:

8-22 485.280 A deposit or any balance thereof must be returned to the

8-32 pending and no judgment rendered in such an action left unpaid.

8-33 Sec. 11. NRS 485.314 is hereby amended to read as follows:

8-34 485.314 1. On or before the 15th calendar day of each month, each

8-42 policy of insurance;

9-1 (b) The make, year and vehicle identification number of each motor

9-2 vehicle included in the policy of insurance;

9-3 (c) The number, effective date and expiration date of the policy of

9-4 insurance; and

9-5 (d) Any other information required by the department.

9-6 2. The record provided pursuant to subsection 1 must be submitted in a

9-7 form approved by the department and may include, without limitation,

9-8 magnetic tape or any other electronic medium deemed acceptable by the

9-9 department.

9-10 3. The department shall notify the commissioner of insurance if an

9-11 insurer:

9-12 (a) Fails to comply with subsection 1 or 2; or

9-13 (b) In complying with subsection 1 or 2, provides to the department

9-14 information that is false, incomplete or misleading.

9-15 Sec. 12. NRS 485.317 is hereby amended to read as follows:

9-16 485.317 1. The department shall, at least monthly, compare the

9-43 submitted to the department pursuant to this subsection.

10-1 3. When the department receives a completed form for verification , it

10-2 shall verify the information on the form.

10-3 4. The department shall suspend the registration and require the return

10-4 to the department of the license plates of any vehicle for which:

10-5 (a) Neither of the forms for verification set forth in subsection 2 is

10-6 returned to the department by the registered owner or his authorized agent

10-7 within the period specified in that subsection;

10-8 (b) Either of the forms for verification set forth in subsection 2 is

10-9 returned to the department by the registered owner or his authorized agent

10-10 and the department is not able to verify the information on the form; or

10-11 (c) Either of the forms for verification set forth in subsection 2 is

10-12 returned by the registered owner or his authorized agent with an admission

10-13 of having no insurance or without indicating an insurer or the number of a

10-14 motor vehicle liability policy or a certificate of self-insurance.

10-15 5. If the department suspends a registration pursuant to subsection 4

10-16 because:

10-17 (a) Neither the owner nor his authorized agent returned a form for

10-18 verification within the specified period or the owner or his authorized agent

10-19 returned a form for verification that was not completed sufficiently, and the

10-20 owner or his authorized agent, thereafter:

10-21 (1) Proves to the satisfaction of the department that there was a

10-22 justifiable cause for his failure to do so;

10-23 (2) Submits a completed form regarding his insurance on the date

10-24 stated in the form mailed by the department pursuant to subsection 2; and

10-25 (3) Presents evidence of current insurance; or

10-26 (b) The owner or his authorized agent submitted to the department a

10-27 form for verification containing information that the department was unable

10-28 to verify and, thereafter, the owner or his authorized agent presents to the

10-29 department:

10-30 (1) A corrected form or otherwise verifiable evidence setting forth

10-31 that the owner possessed insurance on the date stated in the form; and

10-32 (2) Evidence of current insurance,

10-33 the department shall rescind its suspension of the registration if it is able to

10-34 verify the information on the form or the other evidence presented. The

10-35 department shall not charge a fee to reinstate a registration, the suspension

10-36 of which was rescinded pursuant to this subsection. For the purposes of this

10-37 subsection, "justifiable cause" may include, but is not limited to, the fact

10-38 that the owner did not receive the form mailed by the department pursuant

10-39 to subsection 2.

10-40 6. Except as otherwise provided in subsection 7, if a registered owner

10-41 whose registration is suspended pursuant to subsection 4, failed to have

10-42 insurance on the date specified in the form for verification, the department

10-43 shall reinstate the registration of the vehicle and reissue the license plates

11-1 only upon filing by the registered owner of evidence of current insurance

11-2 and payment of the fee for reinstatement of registration prescribed in

11-3 paragraph (a) of subsection 6 of NRS 482.480.

11-4 7. If a registered owner proves to the satisfaction of the department that

11-5 his vehicle was a dormant vehicle during the period in which the

11-6 information provided pursuant to NRS 485.314 indicated that there was no

11-7 insurance for the vehicle, the department shall reinstate his registration and,

11-8 if applicable, reissue his license plates. If such an owner of a dormant

11-9 vehicle failed to cancel the registration for the vehicle in accordance with

11-10 subsection 3 of NRS 485.320, the department shall not reinstate his

11-11 registration or reissue his license plates unless the owner pays the fee set

11-12 forth in paragraph (b) of subsection 6 of NRS 482.480.

11-13 8. For the purposes of verification of insurance by the department

11-14 pursuant to this section, a registered owner shall not be deemed to have

11-15 failed to maintain [liability] insurance for a motor vehicle unless the vehicle

11-16 is without coverage for [a period of] more than 7 days.

11-17 Sec. 13. NRS 690B.023 is hereby amended to read as follows:

11-18 690B.023 If insurance for the operation of a motor vehicle required

11-43 insurance has been lost.

12-1 Sec. 14. Each insurer who has issued operators’ policies of liability

12-2 insurance pursuant to NRS 485.186 and 485.3091 for the purpose of

12-3 complying with the requirements of NRS 485.185 which are in effect on

12-4 July 1, 1999:

12-5 1. Shall not renew an operator’s policy of liability insurance issued for

12-6 that purpose; and

12-7 2. Shall provide, not later than October 1, 1999, a written notice to

12-8 each holder of an operator’s policy of liability insurance issued by the

12-9 insurer which states that, after December 31, 1999, the policy will not

12-10 satisfy the requirements set forth in NRS 485.185 for insurance for the

12-11 payment of liability arising from the maintenance or use of a motor vehicle

12-12 that is registered or required to be registered in this state.

12-13 Sec. 15. The amendatory provisions of section 6 of this act do not

12-14 apply to offenses that were committed before October 1, 1999.

12-15 Sec. 16. 1. This section and section 14 of this act become effective

12-16 on July 1, 1999.

12-17 2. Section 6 of this act becomes effective on October 1, 1999.

12-18 3. Sections 1 to 5, inclusive, 7 to 13, inclusive, and 15 of this act

12-19 become effective on January 1, 2000.