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EmailTrucking professionals are readily familiar with the federal mandate for liability insurance. They know that the interstate liability policy limit is $750,000.00 for freight and more for passengers. Some can even tell you where to find that information in the U.S. Code. 49 U.S.C. §31139(b).
But how many know the liability policy limit for a carrier operating exclusively intrastate in Nevada? The answer is very few. We at Mills & Associates had to look that up in a case that we just handled and
thought it would be a great idea to post that information on the blog so others could readily find it.
You can find the answer to the question in the Nevada Administrative Code. If a carrier is hauling freight only, look at NAC 706.288, which says:
NAC 706.288 Insurance. (NRS 706.171, 706.291) Each common or contract motor carrier of property, other than a fully regulated carrier, and each private motor carrier shall maintain a contract of insurance against liability for injury to persons and damage to property in the following minimum amounts:
If the carrier is authorized to transport only freight:
| Limit for bodily injuries to or death of one person
| Limit for bodily injuries to or death of all persons injured or killed in any one accident
| Limit for loss or damage in any one accident to property of others, excluding cargo
| |
| A motor vehicle or a combination of vehicles with a gross vehicle weight rating of 10,001 to 26,000 pounds | $300,000 | $300,000 | $300,000 |
| A motor vehicle or a combination of vehicles with a gross vehicle weight rating of 26,001 to 80,000 pounds | 750,000 | 750,000 | 750,000 |
On the other hand, if the carrier transports passengers, the limits are higher. NAC 706.191 reads as follows:
NAC 706.191 Insurance. (NRS 706.171, 706.291, 706.303)
1. All common and contract carriers shall maintain a contract of insurance against liability for injury to persons and damage to property in the following minimum amounts:
(a) Carriers authorized to transport persons only or persons and property:
| Limit for bodily injuries to or death of one person
| Limit for bodily injuries to or death of all persons injured or killed in any one accident
| Limit for loss or damage in any one accident to property of others, excluding cargo
| |
| Horse-drawn vehicles and taxicabs | $250,000 | $500,000 | $50,000 |
| 7 passengers or less, including the driver, other than a taxicab | 1,500,000 | 1,500,000 | 1,500,000 |
| 8 to 15 passengers, inclusive, including the driver | 1,500,000 | 1,500,000 | 1,500,000 |
| 16 passengers or more, including the driver | 5,000,000 | 5,000,000 | 5,000,000 |
| Freight only | 750,000 | 750,000 | 750,000 |
