NV

Nevada Insurance Regulations

Consumer rights and insurance laws in Nevada

Overview

Nevada Division of Insurance oversees insurance regulation and consumer protection. Nevada uses modified comparative fault and has a 2-year statute of limitations, making timely claim filing essential.

Key Insurance Regulations in Nevada

  • Modified comparative fault — barred at 51% or more fault
  • 2-year statute of limitations for personal injury; 3 years for vehicle property damage (NRS 11.190(3)(c))
  • Mandatory auto insurance: 25/50/20 minimum liability

Filing an Insurance Complaint in Nevada

If you believe your insurance company has acted unfairly or violated Nevada insurance laws, you can file a complaint with the Nevada Division of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Nevada Division of Insurance typically responds to complaints within 30 days.

Nevada Division of Insurance

Insurance Commissioner: Scott J. Kipper

Phone: (775) 687-0700

Website: https://doi.nv.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Nevada

Generally yes, as part of a property-damage claim against the at-fault driver's insurer, though no Nevada statute names diminished value. You have three years to sue for injuring personal property (NRS 11.190(3)(c)), and under Nevada's modified comparative negligence rule (NRS 41.141) you recover only if your negligence was not greater than the other side's, reduced by your share.

Read the Nevada diminished value guide

Insurance Claim Guides for Nevada

Browse our detailed insurance claim guides tailored specifically to Nevada laws and regulations.

Auto Insurance Claims in NevadaHome Insurance Claims in NevadaHealth Insurance Appeals in NevadaInsurance Denial Letter Templates in NevadaDemand Letter Guide in NevadaInsurance Settlement Calculator Guide in NevadaDiminished Value Claims in NevadaTotal Loss Dispute Guide in NevadaBad Faith Insurance Claims in NevadaUnderinsured Motorist Claims in NevadaUninsured Motorist Claims in NevadaRental Car Insurance Coverage in NevadaGAP Insurance Claims in NevadaInsurance Subrogation Explained in NevadaPIP (Personal Injury Protection) Guide in NevadaBodily Injury Claims in NevadaProperty Damage Claims in NevadaLiability Claim Process in NevadaComprehensive Insurance Claims in NevadaCollision Insurance Claims in NevadaFlood Insurance Claims in NevadaFire Insurance Claims in NevadaTheft Insurance Claims in NevadaVandalism Insurance Claims in NevadaAuto Glass Insurance Claims in NevadaHail Damage Insurance Claims in NevadaWind Damage Insurance Claims in NevadaWater Damage Insurance Claims in NevadaMold Insurance Claims in NevadaRoof Damage Insurance Claims in NevadaFoundation Damage Claims in NevadaSinkhole Insurance Claims in NevadaEarthquake Insurance Guide in NevadaHurricane Insurance Claims in NevadaTornado Damage Insurance Claims in NevadaLightning Damage Insurance Claims in NevadaTree Damage Insurance Claims in NevadaFence Damage Insurance Claims in NevadaAppliance Breakdown Claims in NevadaIdentity Theft Insurance Claims in NevadaCyber Insurance Claims in NevadaPet Insurance Claims in NevadaTravel Insurance Claims in NevadaLife Insurance Disputes in NevadaDisability Insurance Claims in NevadaWorkers' Compensation Claims in NevadaLong-Term Care Insurance Claims in NevadaDental Insurance Appeals in NevadaVision Insurance Claims in NevadaPrescription Drug Appeals in NevadaAccident Scene Documentation in NevadaInsurance Adjuster Tactics in NevadaDiminished Value Calculator Guide in NevadaTotal Loss Vehicle Valuation in NevadaCCC Valuation Report Explained in NevadaPain and Suffering Calculation in NevadaMedical Bills in Auto Claims in NevadaLost Wages Insurance Claims in NevadaFiling a Bad Faith Insurance Lawsuit in NevadaWhen to Hire a Car Accident Lawyer in NevadaInsurance Claim Timeline Guide in NevadaIndependent Vehicle Appraisal Guide in NevadaAppraisal Clause in Auto Insurance in NevadaDiminished Value by State in NevadaTotal Loss Threshold by State in NevadaRental Car After an Accident in NevadaYour Rights During Car Repairs in NevadaOEM Parts in Insurance Claims in NevadaInsurance Negotiation Tactics in NevadaDemand Package for Auto Claims in NevadaCommon Insurance Claim Denial Reasons in NevadaStatute of Limitations for Auto Claims in NevadaFiling Claims in No-Fault States in NevadaAt-Fault Accident Claims in NevadaComparative Negligence in Claims in NevadaUninsured Motorist Property Damage in NevadaHit and Run Insurance Claims in NevadaParking Lot Accident Claims in NevadaRideshare Accident Insurance Claims in NevadaCommercial Vehicle Accident Claims in NevadaDeer Collision Insurance Claims in NevadaFlood Car Damage Claims in NevadaCatalytic Converter Theft Claims in NevadaCar Break-In Insurance Claims in NevadaTire Blowout Accident Claims in NevadaPothole Damage Insurance Claims in NevadaHail Damage Car Claims in NevadaHow to Review Your Auto Insurance Policy in NevadaAuto Insurance Coverage Gaps in NevadaMulti-Vehicle Accident Claims in NevadaDisputing Fault Determination in NevadaFiling an Insurance Commissioner Complaint in NevadaNegotiating Diminished Value Claims in NevadaFighting a Total Loss Declaration in NevadaBodily Injury Settlement Guide in NevadaInsurance Fraud Prevention Guide in NevadaSubstandard Auto Repair Claims in NevadaTotal Loss Buy-Back Process in NevadaInsurance Claims After a DUI in NevadaCommercial Auto Insurance Claims in NevadaStorage Unit Insurance Claims in Nevada

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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