NRS 687B.310 General Provisions

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NRS 687B.310  Cancellations and nonrenewals; scope of application.

1.  NRS 687B.310 to 687B.420, inclusive, apply to all binders and all contracts of insurance the general terms of which are required to be approved or are subject to disapproval by the Commissioner, except as otherwise provided by statute or by rule pursuant to subsection 3.

      2.  The contract may provide terms more favorable to policyholders than are required by NRS 687B.310 to 687B.420, inclusive.

      3.  The Commissioner may by rule exempt from NRS 687B.310 to 687B.420, inclusive, classes of insurance contracts where the policyholders do not need protection against arbitrary termination.

      4.  The rights provided by NRS 687B.310 to 687B.420, inclusive, are in addition to and do not prejudice any other rights the policyholder may have at common law or under other statutes.

      5.  NRS 687B.310 to 687B.420, inclusive, do not prevent the rescission or reformation of any life or health insurance contract not otherwise denied by the terms of the contract or by any other statute.

      6.  Any notice to an insured required pursuant to NRS 687B.320 to 687B.350, inclusive, must be personally delivered to the insured or mailed first class or certified to the insured at the address of the insured last known by the insurer. The notice must state the effective date of the cancellation or nonrenewal and be accompanied by a written explanation of the specific reasons for the cancellation or nonrenewal.

      (Added to NRS by 1971, 1724; A 1971, 1949; 1983, 1121; 1987, 985, 1063; 1993, 2399; 2003, 3313)

Nevada Revised Statutes (NRS) Chapter 687B, Section 310

Plain English Explanation

Under Nevada law these sections set the ground rules for most insurance contracts and binders that must be approved by the Commissioner of Insurance. They apply automatically unless another statute or an approved administrative rule says they do not. That means any policy whose form the Commissioner reviews must meet these baseline requirements for how and when it can be canceled or nonrenewed first, before any special exceptions kick in.

Insurers and policyholders may agree to give the policyholder even better protections than the statute requires. The Commissioner also has the power to exempt entire classes of contracts, say a type of trade credit insurance or a small group health plan, if those buyers do not need the same safeguards against sudden policy termination.

Importantly these rights sit alongside any other remedies you have. They do not replace your common-law claims or other statutory protections. And for life or health policies they do not stop an insurer from cancelling or changing a contract in ways the policy itself allows or that another law authorizes.

Overview of NRS 687B.310

Nevada Revised Statute 687B.310 establishes comprehensive rules governing insurance policy cancellations and nonrenewals throughout the state. Whether you’re a policyholder in Clark County dealing with auto insurance or a Washoe County resident managing health coverage, this statute provides essential protections while allowing insurance companies to responsibly manage their risk portfolios.

Key Details:

• Effective Date: 2003
• Last Updated: 2003
• Jurisdiction: State of Nevada
• Coverage: All insurance contracts
• Geographic Scope: Statewide application

Key elements of the statute

Insurance policies across Nevada, from medical coverage in Summerlin to auto insurance in North Las Vegas, must comply with specific requirements for cancellation and nonrenewal. The statute applies to all insurance binders and contracts requiring Commissioner approval, ensuring consistent protection whether you’re insured in downtown Reno or rural Elko County.

Policyholder protections form the cornerstone of this legislation, allowing for terms more favorable than statutory minimums while preserving common law rights. These protections apply equally to residents in Henderson’s master-planned communities and Carson City’s historic districts, ensuring all Nevadans receive proper notice and explanation for any policy changes.

Notice requirements are strictly enforced throughout the state. Whether an insurer is canceling coverage in Sparks or declining renewal in Boulder City, they must provide proper written notification through personal delivery or certified mail. This ensures that policyholders from Mesquite to Winnemucca receive clear communication about their coverage status.

Practical application

Consider a Las Vegas homeowner whose insurance company plans to cancel their policy. The insurer must provide written notice with specific reasons, delivered either personally or via certified mail to their Southern Highlands address. The notice must clearly state the effective cancellation date and maintain proof of proper delivery.

In another scenario, a Reno health insurance provider offering enhanced benefits must still comply with basic notice requirements while providing these improved terms. This situation commonly occurs in Northern Nevada’s growing healthcare market, where insurers compete for business while maintaining regulatory compliance.

Related case law

Farmers Insurance Exchange v. Neal

• Citation: 119 Nev. 62 (2008)
• Location: Clark County District Court
• Holding: Strict notice compliance required
• Impact: Strengthened consumer protections

Progressive Gulf Ins. Co. v. Faehnrich

• Citation: 130 Nev. 167 (2014)
• Location: Washoe County District Court
• Holding: Proper notice delivery essential
• Impact: Enhanced notification standards

People Also Ask

What notice must Nevada insurers provide before cancelling my policy?

Insurance companies must provide written notice including the specific cancellation date and detailed reasons for termination. This requirement applies throughout Nevada, though specific notice periods may vary by insurance type. Companies must deliver notices either personally or through certified mail to your last known address.

Can my insurance company cancel my Nevada policy without explanation?

No. Under NRS 687B.310(6), all insurers operating in Nevada must provide a written explanation detailing specific reasons for cancellation or nonrenewal. This requirement protects consumers statewide, from Las Vegas to Reno and all communities in between.

What if I never received my cancellation notice in Nevada?

If you didn’t receive proper notice, contact the Nevada Division of Insurance immediately. Insurers must document delivery to your last known address via personal delivery or certified mail. Keep your address updated with your insurance company to ensure proper notification.

Related statutes

• NRS 687B.320 – Cancellation Grounds: Details valid termination reasons
• NRS 687B.350 – Nonrenewal Requirements: Specifies notice mandates
• NRS 687B.420 – Commercial Guidelines: Outlines business policy rules