NV Revised Statute § 687B.385 (2026) – Refusal to issue, cancellation, nonrenewal or increase in premium of policy of motor vehicle insurance due to claims for which insured was not at fault, claims for which insurer made no payment or recovered entirety of payment or inquiries relating to a claim prohibited.
A Nevada auto insurer cannot cancel, refuse to renew or raise your premium over a claim you were not at fault for, one it paid nothing on, or an inquiry about a claim.
Statutory Text
An insurer shall not refuse to issue, cancel, refuse to renew or increase the premium for renewal of a policy of motor vehicle insurance covering private passenger cars or commercial vehicles as a result of any:
1. Claims made under any policy of insurance with respect to which the insured was not at fault;
2. Claims made under any policy of insurance for which the insurer has not made any payment or for which the insurer recovered the entirety of the insurer’s payment on the claim by means of salvage, subrogation or another mechanism; or
3. Inquiries made regarding an actual or potential claim under any policy of insurance regarding:
(a) The existence of insurance coverage for any matter; or
(b) Any hypothetical or informational matter pertaining to insurance.
(Added to NRS by 1987, 1063; A 1997, 3033; 2017, 2354)
NV Rev Stat § 687B-385 – Last Verified February 2026
Plain English Explanation
Nevada Revised Statute 687B.385 puts a firm limit on what insurance companies are allowed to do when certain types of claims or questions come up on your record. The law applies to both personal vehicles and commercial vehicles, and it covers three specific situations where an insurer simply cannot penalize you.
The first situation involves accidents or incidents where you were not at fault. If another driver caused the crash and you filed a claim, your insurance company cannot use that claim against you. They cannot drop your coverage, refuse to renew your policy or raise your premium over something that was not your fault, which matters while you are still mid-claim after a Nevada car accident.
The second situation deals with claims where the insurance company ended up paying nothing out of pocket. This can happen when the insurer recovers its full payment through salvage, subrogation, or some other method. Subrogation is when your insurer pays you and then goes after the at-fault party to get that money back. If they get it all back, you cannot be punished for the claim as though it cost them anything.
The third situation is one a lot of people do not know about. Simply calling your insurance company to ask a question cannot be used against you. Whether you are asking if something is covered, or just asking a hypothetical “what would happen if” type of question, that inquiry alone is not grounds for cancellation, nonrenewal, or a rate increase.
The reason this law exists is straightforward. Without it, people might avoid filing legitimate claims or asking basic questions out of fear that their rates would go up or their policy would be dropped. Nevada decided that insurance companies should not be able to hold those things over your head.
Frequently Asked Questions About NRS 687B.385
Can my car insurance company raise my rates after a not-at-fault accident in Nevada?
No. Nevada law specifically prohibits insurance companies from increasing your premium because of a claim where you were not responsible for the accident. Even if the claim involved a significant payout, if fault was determined to lie with another party, your insurer cannot use that claim to justify a rate increase.
Will calling my insurance company to ask about a claim hurt my rates?
Not in Nevada. The law treats inquiries separately from actual claims. Whether you are asking about your coverage, checking if something is covered before deciding what to do, or just asking a general question about how a claim might work, your insurer is forbidden from penalizing you for simply making that call.
Can an insurance company cancel my policy because of a claim they got fully reimbursed for?
No. If your insurer recovered every dollar it paid out through subrogation, salvage, or any other recovery method, the claim is treated as though it cost them nothing. They cannot cancel your policy or refuse to renew it based on a claim that ultimately had no financial impact on them.
Does this law apply to commercial vehicle insurance in Nevada?
Yes. NRS 687B.385 covers both private passenger cars and commercial vehicles. A business owner with a company fleet has the same protections as an individual driver when it comes to not-at-fault claims, zero-payment claims, and coverage inquiries.
What should I do if my insurance company raises my rates after a not-at-fault accident?
You can file a complaint with the Nevada Division of Insurance, which is the state agency that oversees insurance companies operating in Nevada. Documenting everything, including the details of the accident, any determination of fault, and written communication from your insurer, will help support your complaint.
General information about Nevada law, current as of publication. It is not legal advice for your situation, and deadlines and exceptions turn on the facts of a specific matter.
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