einstatement. NRS 485.3093 Chapter not to affect other policies. NRS 485.3098 Other proof may be required. NRS 485.3099 Waiver of requirement of proof by Department. VERIFICATION OF PROOF OF FINANCIAL RESPONSIBILITY NRS 485.313 Department to create system for verifying that owners of motor vehicles maintain insurance. NRS 485.314 Insurer to provide monthly record to Department; contents and form of record; Department to notify Commissioner of Insurance of noncompliance or provision of false, incomplete or misleading information. NRS 485.316 Confidentiality of information in database; exceptions; penalty. NRS 485.317 Verification of insurance. NRS 485.318 Immunity from liability for actions in good faith and without gross negligence. VIOLATIONS AND PENALTIES NRS 485.320 Surrender of license, registration and license plates; owner of dormant vehicle required to cancel registration if policy covering vehicle is cancelled or expires; regulations. NRS 485.326 Suspension of license for failure to maintain insurance. NRS 485.330 Operating motor vehicle when license or registration suspended. NRS 485.340 Failure to return license, registration or license plate. NRS 485.350 False or forged policy of insurance, certificate of self-insurance, proof of financial responsibility, evidence of insurance or other document; misrepresentation of documents. NRS 485.360 Penalty for other violations. MISCELLANEOUS PROVISIONS NRS 485.370 Applicability. NRS 485.380 Self-insurers. NRS 485.385 Department to take appropriate action after receipt of correct information. NRS 485.387 Suspension of registration does not prevent owner from effecting bona fide sale; rights of vendor, mortgagee or lessor. NRS 485.390 Chapter supplemental to laws regarding motor vehicles. NRS 485.400 Chapter not retroactive. NRS 485.410 Chapter not to prevent other process. NRS 485.420 Uniformity of interpretation. _________ GENERAL PROVISIONS NRS 485.010 Short title. This chapter may be cited as the Motor Vehicle Insurance and Financial Responsibility Act. [21:127:1949]—(NRS A 1995, 2734) NRS 485.020 Definitions. As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 485.028 to 485.120, inclusive, have the meanings ascribed to them in those sections. [1:127:1949; 1943 NCL § 4439.01]—(NRS A 1961, 138; 1981, 1862; 1987, 1090; 1995, 2734; 1997, 1083) NRS 485.028 “Certificate of financial responsibility” defined. “Certificate of financial responsibility” means the certificate issued by an insurance carrier pursuant to NRS 485.308 certifying that there is a motor vehicle liability policy in effect for a person who is required to furnish proof of financial responsibility. (Added to NRS by 1995, 2734) NRS 485.0335 “Dormant vehicle” defined. “Dormant vehicle” means a motor vehicle: 1. For which a policy of liability insurance is required pursuant to this chapter; and 2. That will not be operated for an extended period because of mechanical or seasonal circumstances. (Added to NRS by 1997, 1083) NRS 485.034 “Evidence of insurance” defined. “Evidence of insurance” means: 1. The form provided by an insurer pursuant to NRS 690B.023 as evidence of a contract of insurance for a motor vehicle liability policy; or 2. The certificate of self-insurance issued to a self-insurer by the Department pursuant to NRS 485.380. (Added to NRS by 1995, 2734) NRS 485.035 “Judgment” defined. “Judgment” means any judgment which shall have become final by expiration without appeal of the time within which an appeal might have been perfected, or by final affirmation on appeal rendered by a court of competent jurisdiction of any state or of the United States, upon a cause of action arising out of the ownership, maintenance or use of any motor vehicle for damages, including damages for care and loss of services because of injury to or destruction of property, including the loss of use thereof, or upon a cause of action on an agreement of settlement for such damages. (Added to NRS by 1957, 722) NRS 485.037 “Insurance” defined. “Insurance” means: 1. A motor vehicle liability policy; or 2. The security provided by a self-insurer pursuant to NRS 485.380. (Added to NRS by 1995, 2734) NRS 485.040 “License” defined. “License” means any license, temporary instruction permit or temporary license issued under the laws of this State pertaining to the licensing of persons to operate motor vehicles. [1.2:127:1949; 1943 NCL § 4439.01b] NRS 485.050 “Motor vehicle” defined. “Motor vehicle” means every self-propelled vehicle which is designed for use upon a highway, including: 1. Trailers and semitrailers designed for use with such vehicles, except traction engines, road rollers, farm tractors, tractor cranes, power shovels and well drillers; and 2. Every vehicle which is propelled by electric power obtained from overhead wires but not operated upon rails. The term does not include electric personal assistive mobility devices as defined in NRS 482.029. [1.3:127:1949; 1943 NCL § 4439.01c]—(NRS A 2003, 1206) NRS 485.055 “Motor vehicle liability policy” defined. 1. “Motor vehicle liability policy” means an owner’s policy of liability insurance or an operator’s policy of liability insurance issued by an insurer authorized to transact business in this State, to or for the benefit of the person named therein as insured. 2. With respect to a policy which grants excess or additional coverage over that required by NRS 485.3091, the term “motor vehicle liability policy” applies only to that part of the coverage which is required by NRS 485.3091. (Added to NRS by 1987, 1088; A 1995, 2734) NRS 485.060 “Nonresident” defined. “Nonresident” means every person who is not a resident of this State. [1.4:127:1949; 1943 NCL § 4439.01d] NRS 485.070 “Nonresident’s operating privilege” defined. “Nonresident’s operating privilege” means the privilege conferred upon a nonresident by the laws of this State pertaining to the operation by him of a motor vehicle, or the use of a motor vehicle owned by him, in this State. [1.5:127:1949; 1943 NCL § 4439.01e] NRS 485.080 “Operator” defined. “Operator” means every person who is in actual physical control of a motor vehicle whether or not licensed as an operator pursuant to the laws of this State. [1.6:127:1949; 1943 NCL § 4439.01f]—(NRS A 1995, 2734) NRS 485.090 “Owner” defined. “Owner” means a person who holds the legal title of a motor vehicle, or in the event a motor vehicle is the subject of an agreement for the conditional sale or lease thereof with the right of purchase upon performance of the conditions stated in the agreement and with an immediate right of possession vested in the conditional vendee or lessee, or in the event a mortgagor of a vehicle is entitled to possession, then such conditional vendee or lessee or mortgagor shall be deemed the owner for the purposes of this chapter. [1.7:127:1949; 1943 NCL § 4439.01g] NRS 485.105 “Proof of financial responsibility” defined. “Proof of financial responsibility” means proof of ability to respond for the future in damages for liability, on account of accidents occurring subsequent to the effective date of that proof, arising out of the ownership, maintenance or use of a motor vehicle, in the amounts specified in NRS 485.185. (Added to NRS by 1957, 722; A 1963, 221; 1969, 177; 1981, 627; 1993, 2484) NRS 485.108 “Registered owner” defined. “Registered owner” means a person whose name appears in the record

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