Automobile Medical Payments Insurance

Bulletin No. 04-002 April 14, 2004 AUTOMOBILE MEDICAL PAYMENTS INSURANCE Nevada Revised Statute (NRS) 687B.145 (3) requires insurers of passenger cars, as defined by NRS 482.087, to offer a minimum of $1,000 coverage for the payment of reasonable and necessary medical expenses arising from an automobile accident. Several insurers operating in Nevada have offered medical payments coverage that is excess of other medical insurance coverage. Such excess coverage does not meet the requirements of NRS 687B.145 (3). These insurers must offer a minimum of $1,000 primary medical payments coverage and make applicable filings with the Division. Commencing with passenger car filings received on and after January 31, 2004, the Commissioner will disapprove rules, rates, offer forms, and coverage forms that offer excess medical payments coverage to comply with NRS 687B.145 (3). Excess coverage may be offered, but only in addition to the $1,000 primary coverage or when primary coverage is rejected by the policyholder. The medical payments coverage offer must be on a form approved by the Commissioner. It is strongly suggested that any rejection of medical payments coverage be signed by the named insured. Each renewal must include a copy of the form offering medical payments coverage. _______________________________________ ALICE A. MOLASKY-ARMAN Commissioner of Insurance