CHAPTER 485 - MOTOR VEHICLES: INSURANCE AND FINANCIAL RESPONSIBILITY

GENERAL PROVISIONS

485.010 Definitions.

485.020 “Authorized representative” defined.

485.023 “Department” defined.

485.024 “Director” defined.

485.028 Dormant vehicle: “Extended period,” “mechanical circumstances” and “seasonal circumstances” interpreted.

485.030 Construction.

485.040 Severability.

485.050 Office of Department; communications relating to self-insurance; information.

CERTIFICATE OF SELF-INSURANCE

485.060 Application for certificate; duties of applicant.

485.070 Approval or denial of application; expiration and transfer of certificate.

485.075 Guarantee of indemnification.

485.080 Security: Deposit; required amount; use and replenishment; change of amount.

485.090 Security: Acceptable forms.

485.100 Duration of security; affidavit and administration of claims.

485.110 Annual submission of certain information; settlement of claims.

485.115 Change in ownership or control of self-insurer.

485.120 Cancellation of certificate.

VERIFICATION OF PROOF OF FINANCIAL RESPONSIBILITY

485.150 “Amended,” “issued,” “terminated” and “identification number of each insured” interpreted.

485.155 Contents of record provided by insurer.

485.160 Form of record submitted by insurer.

485.165 Report of no activity by insurer.

485.170 Correction of error in record.

485.175 Failure of insurer to submit records.

485.180 Discontinuance by insurer of practice of issuing and renewing motor vehicle liability policies.

485.185 Suspension of registration: Reinstatement of registration of dormant vehicle.

485.190 Suspension of registration: Reinstatement of registration or rescission of suspension on ground of extenuating circumstances.

GENERAL PROVISIONS

NAC 485.010 Definitions. (NRS 485.130) As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 485.028 to 485.120, inclusive, and in NAC 485.020, 485.023 and 485.024 have the meanings ascribed to them in those sections.

[Dep’t of Motor Veh., Self-insurance Reg. part § I, eff. 4‑29‑82]—(NAC A by Dep’t of Motor Veh. & Pub. Safety by R176‑97, 6‑4‑98; A by Dep’t of Motor Veh. by R162‑01, 2‑12‑2002)

NAC 485.020 “Authorized representative” defined. (NRS 485.130) “Authorized representative” means the employee of the Department designated by the Director to issue, cancel or make administrative decisions concerning self-insurance.

[Dep’t of Motor Veh., Self-insurance Reg. part § I, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002)

NAC 485.023 “Department” defined. (NRS 485.130) “Department” means the Department of Motor Vehicles.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98; A by Dep’t of Motor Veh. by R162‑01, 2‑12‑2002)

NAC 485.024 “Director” defined. (NRS 485.130) “Director” means the Director of the Department of Motor Vehicles.

(Added to NAC by Dep’t of Motor Veh. by R162‑01, eff. 2‑12‑2002)

NAC 485.028 Dormant vehicle: “Extended period,” “mechanical circumstances” and “seasonal circumstances” interpreted. (NRS 485.320)

1. As used in NRS 485.0335, the Department will interpret the phrase:

(a) “Extended period” to mean:

(1) With respect to a motor vehicle for which the owner failed to cancel the registration and which will not be operated because of mechanical circumstances, a period of not less than 30 days and not more than 6 months.

(2) With respect to a motor vehicle for which the owner failed to cancel the registration and which will not be operated because of seasonal circumstances, a period of not less than 3 months.

(b) “Mechanical circumstances” to mean that the components or systems of a motor vehicle have failed to such an extent that the vehicle cannot be operated.

(c) “Seasonal circumstances” to mean that a motor vehicle is not used during certain periods of the year because of weather or other factors which make operation of the vehicle during those periods undesirable, unnecessary or impractical.

2. As used in this section, “components or systems of a motor vehicle” means the engine, brake system, transmission system, drivetrain system, heating and air-conditioning system, cooling system, or muffler and exhaust system.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98; A by Dep’t of Motor Veh. by R162‑01, 3‑26‑2002)

NAC 485.030 Construction. (NRS 485.130) The Department intends that this chapter be liberally construed to secure just, speedy and economical determinations of all applications for certificates of self-insurance presented to the Director or the authorized representative.

[Dep’t of Motor Veh., Self-insurance Reg. part § II, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002)

NAC 485.040 Severability. (NRS 485.130) If any provision of this chapter, or any application thereof to any person, thing or circumstance is held invalid, it is intended that such invalidity not affect the remaining provisions or applications to the extent that they can be given effect.

[Dep’t of Motor Veh., Self-insurance Reg. part § II, eff. 4‑29‑82]

NAC 485.050 Office of Department; communications relating to self-insurance; information. (NRS 485.130)

1. The principal office of the Department is the Department of Motor Vehicles, Central Services and Records Division, 555 Wright Way, Carson City, Nevada 89711.

2. All written communications to the Department or securities or documents relating to self-insurance must be addressed to the principal office of the Department.

3. A person may obtain clarification of this chapter, information about the application of this chapter or information about other dealings with reference to this chapter from the principal office of the Department.

[Dep’t of Motor Veh., Self-insurance Reg. § III, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002)

CERTIFICATE OF SELF-INSURANCE

NAC 485.060 Application for certificate; duties of applicant. (NRS 485.130, 485.380)

1. Before applying for a certificate of self-insurance, an applicant must submit a complete list of his motor vehicles to the Department. The list must contain the vehicle identification number, the license plate number and the name of the make and model of each vehicle.

2. After the list is submitted, the number of vehicles actively registered in this State in the name of the applicant must not drop below 11.

3. An application for a certificate of self-insurance must be made on a form provided by the Department. The application must contain a statement by the applicant that he realizes that, in self-insuring, he is performing an insurance function and expressly agrees, as a condition to the granting of a certificate of self-insurance, to abide by the statutes of this State concerning unfair practices in settling claims and any regulations adopted thereunder by the Commissioner of Insurance.

4. Except as otherwise provided in this subsection, each applicant for a certificate of self-insurance must submit, for the confidential use of the Department, an affidavit from a certified public accountant licensed in this State attesting that the financial statements of the applicant have been audited and setting forth the current ratio of the applicant at the time of the audit.

5. An applicant for self-insurance may be required by the Department to submit evidence of excess insurance or reinsurance written by an insurer authorized to do business in this State to provide protection against large or numerous judgments. This insurance may be in excess of the amount of security deposited with the Department. To determine if excess insurance or reinsurance will be required, the Director or the authorized representative will consider the number of vehicles actively registered in this State in the name of the applicant, the manner in which they are being used and the applicant’s financial ability to pay claims.

[Dep’t of Motor Veh., Self-insurance Reg. § IV, eff. 4‑29‑82]—(NAC A by Dep’t of Motor Veh. & Pub. Safety, 7‑29‑86; A by Dep’t of Motor Veh. by R162‑01, 2‑12‑2002; R164‑03, 10‑31‑2005)

NAC 485.070 Approval or denial of application; expiration and transfer of certificate. (NRS 485.130, 485.380)

1. No application will be approved unless:

(a) The Department receives a true, complete and correct application;

(b) The applicant provides appropriate security of a type set forth in NAC 485.090 in the amount determined by the Department pursuant to NAC 485.080;

(d) The Department determines that the loss record of the applicant, if any, is reasonable and not excessive; and

(e) All vehicles that the applicant wishes to self-insure are registered in this State.

2. No certificate of self-insurance may be issued or approved for an applicant whose previous certificate of self-insurance was cancelled within 1 year after the date of the application for any of the reasons stated in paragraphs (d) to (g), inclusive, of subsection 1 of NAC 485.120.

3. The Director or the authorized representative will review and approve or disapprove an application for a certificate of self-insurance. If the application is approved, the Director or authorized representative will issue a certificate to the applicant. The certificate is valid for 1 year after the date the application is approved, and the day and month of the expiration of the certificate must, to the extent practicable, remain the day and month of expiration of each renewal of the certificate.

4. The Department will notify the applicant by certified mail if his application is denied. The notice will include the reason for the denial.

5. A certificate of self-insurance is not transferable.

[Dep’t of Motor Veh., Self-insurance Reg. § V, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002; R164‑03, 10‑31‑2005)

NAC 485.075 Guarantee of indemnification. (NRS 485.130, 485.380)

1. The Department may, before issuing a certificate of self-insurance to an applicant, require a guarantee of indemnification:

(a) From the parent corporation, if the applicant is a subsidiary or affiliate of a corporation;

(b) From any partner, if the applicant is a partnership; or

2. Entities making a joint application for a certificate of self-insurance pursuant to NAC 485.060 must enter into an indemnity agreement jointly and severally binding each entity for all liability arising from the operation of each motor vehicle that is self-insured pursuant to the certificate.

(Added to NAC by Dep’t of Motor Veh. by R164‑03, eff. 10‑31‑2005)

NAC 485.080 Security: Deposit; required amount; use and replenishment; change of amount. (NRS 485.130, 485.380)

1. A self-insurer shall deposit with the Department security in an amount determined by the Department pursuant to this section.

2. The amount of security required will be based on the greater of 130 percent of the average annual claims paid by the self-insurer during the immediately preceding 3-year period or the amount determined in accordance with the following scale for vehicles actively registered in this State in the name of the self-insurer:

Number of Vehicles	Amount of Security

11 to 50 vehicles...................................................................................	..................... $ 55,000
51 to 100 vehicles.................................................................................	........................ 80,000
101 to 250 vehicles...............................................................................	...................... 130,000
251 to 500 vehicles...............................................................................	...................... 205,000
501 to 750 vehicles...............................................................................	...................... 280,000
751 or more vehicles.............................................................................	...................... 355,000

3. The security deposit must be used to satisfy judgments which have become final and remain unsatisfied after 30 days unless a court order mandates otherwise. Upon notification to the self-insurer that the security has been used to satisfy damages, the self-insurer must replenish the security to the required amount within 24 hours. Failure to maintain the amount of required security is grounds for the cancellation of the certificate of self-insurance.

4. The Department may increase or decrease the amount of required security and specify the form of any additional required security. If the Department increases or decreases the amount of required security, the Department will send written notice of the required increase or decrease to the self-insurer. The self-insurer shall, within 30 days after receiving the notice, increase or decrease the security deposited with the Department in accordance with the amount specified in the notice.

5. The self-insurer may submit a written request to the Department to decrease the amount of required security if the number of vehicles actively registered in this State in the name of the self-insurer decreases and the self-insurer does not wish to maintain the larger fleet size on file with the Department.

[Dep’t of Motor Veh., Self-insurance Reg. § VI, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002; R164‑03, 10‑31‑2005)

NAC 485.090 Security: Acceptable forms. (NRS 485.130, 485.380) The Department may accept as security:

1. A time certificate of deposit with a bank chartered by this State or a bank that is a member of the United States Federal Reserve System which is made payable to the self-insurer and the Department.

2. A surety bond which is issued by a company authorized and licensed to transact the business of surety insurance in this State and which is countersigned by a resident agent licensed in this State.

3. Cash.

4. A letter of credit that:

(a) Includes a clause stating that no document other than a demand for payment under the terms of the letter is necessary for payment;

(b) Is irrevocable;

(c) Does not expire unless written notice is given by the issuer to the Department not less than 30 days before the date of expiration;

(d) Is issued by a bank that:

(1) Is chartered by this State or is a member of the United States Federal Reserve System; and

(2) Has been approved by the Department;

(e) Includes a clause stating that the letter of credit is not subject to any condition or qualification that is not specified in the letter of credit;

(f) Although it may be the individual obligation of the issuer, is not contingent on the ability of the issuer to perfect any lien or security interest;

(g) Does not contain any reference to another agreement, agency, document or person;

(h) Includes a clause stating that the obligation of the issuer under the letter of credit is not contingent on reimbursement; and

(i) If the letter of credit includes a boxed section in the heading that sets forth the name of the applicant and other appropriate notations, is clearly marked in the boxed section to indicate that the information set forth therein is for internal identification only and does not affect the terms of the letter of credit or the obligations of the issuer.

5. Other forms of security which are acceptable to the Department.

[Dep’t of Motor Veh., Self-insurance Reg. §§ VII‑X, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002; R164‑03, 10‑31‑2005)

NAC 485.100 Duration of security; affidavit and administration of claims. (NRS 485.130, 485.380)

1. The security deposited under NAC 485.090 must be maintained for as long as the self-insurer holds or desires to hold a certificate of self-insurance in this State.

2. At the time of the relinquishment of the certificate of self-insurance, the self-insurer shall submit a properly executed affidavit to the Department indicating all outstanding claims against the self-insurer by listing all claimants and the amount of each claim. The self-insurer shall administer all such claims.

3. The security must remain on file for a period of 3 1/2 years after the self-insurer no longer desires to hold a certificate of self-insurance or the number of vehicles actively registered in this State in the name of the self-insurer drops below 11, or until the Director is satisfied that all outstanding claims have been adjudicated and paid.

[Dep’t of Motor Veh., Self-insurance Reg. § XI, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002; R164‑03, 10‑31‑2005)

NAC 485.110 Annual submission of certain information; settlement of claims. (NRS 485.130, 485.380)

1. Each self-insurer shall annually submit to the Department:

(a) An affidavit from a certified public accountant licensed in this State attesting that the financial statements of the self-insurer have been audited and setting forth the current ratio of the self-insurer at the time of the audit;

(b) A report on a form provided by the Department indicating the number of accidents, the number of claims submitted to be paid by the self-insurer, the amount of each claim, the amount paid to a claimant if the claim has been adjudicated and the adjusting companies which have settled claims on behalf of the self-insurer; and

(c) A complete listing of vehicles actively registered in this State in the name of the self-insurer on a form approved by the Department.

Ê Each self-insurer shall submit these reports no earlier than 60 days before and no later than 15 days before the date of expiration of its certificate of self-insurance.

2. A self-insurer may settle its own claims or use the services of an adjusting company licensed in accordance with chapter 684A of NRS to settle claims on its behalf. If the self-insurer uses an adjusting company to settle claims, an affidavit must be included with the reports submitted pursuant to subsection 1 which lists all companies that settled claims during the reporting period.

[Dep’t of Motor Veh., Self-insurance Reg. § XII, eff. 4‑29‑82]—(NAC A by R162‑01, 2‑12‑2002; R164‑03, 10‑31‑2005)

NAC 485.115 Change in ownership or control of self-insurer. (NRS 485.130, 485.380)

1. A self-insurer shall notify the Department not less than 60 days before any change in ownership or control. The Department will maintain the confidentiality of the notification and all related documents that it receives, unless otherwise required by a specific statute or a court of competent jurisdiction.

2. If the Department receives notification from a self-insurer of a change in ownership or control, the Department may require the self-insurer to file a new application for self-insurance.

(Added to NAC by Dep’t of Motor Veh. by R164‑03, eff. 10‑31‑2005)

NAC 485.120 Cancellation of certificate. (NRS 485.130, 485.380)

1. The Department may cancel the certificate of self-insurance of a self-insurer if:

(a) The self-insurer no longer has security in a form acceptable pursuant to NAC 485.090;

(b) The self-insurer no longer has security in the amount determined by the Department pursuant to NAC 485.080;

(c) The self-insurer fails to increase the amount of security to the required amount within 30 days after receiving notice from the Department of a required increase;

(d) The self-insurer fails to pay a judgment within 30 days after it becomes final;

(e) The self-insurer submits false information in the application for self-insurance;

(f) The self-insurer fails to submit or falsifies any report required pursuant to NAC 485.110;

(g) The self-insurer fails to comply with any provision of NRS 686A.310 or NAC 686A.600 to 686A.680, inclusive, an order of the Commissioner of Insurance in any informal or administrative hearing or an order of any court;

(h) The number of vehicles actively registered in this State in the name of the self-insurer drops below 11; or

(i) The self-insurer fails to comply with any provision of this chapter or NRS 485.380.

2. If the Department cancels the certificate of self-insurance of a self-insurer:

(a) The Department will send notice of the cancellation, including the reason for the cancellation, to the self-insurer by certified mail; and

(b) The self-insurer shall comply with the requirements concerning liability insurance set forth in NRS 485.185.

[Dep’t of Motor Veh., Self-insurance Reg. § XIII, eff. 4‑29‑82]—(NAC A by R164‑03, 10‑31‑2005)

VERIFICATION OF PROOF OF FINANCIAL RESPONSIBILITY

NAC 485.150 “Amended,” “issued,” “terminated” and “identification number of each insured” interpreted. (NRS 485.130, 485.314)

1. As used in NRS 485.314, the Department will interpret the term:

(a) “Amended” to include:

(1) The addition or removal of a motor vehicle from a motor vehicle liability policy;

(2) The addition or removal of a driver from a motor vehicle liability policy; and

(3) The correction of erroneous information within a motor vehicle liability policy.

(b) “Issued” to include:

(1) Issuance of a new motor vehicle liability policy; and

(2) Reinstatement of a motor vehicle liability policy after there has been a lapse in coverage.

(1) The expiration and nonrenewal of a motor vehicle liability policy; and

(2) The cancellation of a motor vehicle liability policy by the insurance company that issued the policy,

Ê whether such expiration and nonrenewal or cancellation applies to one or all of the motor vehicles covered under the policy.

2. As used in NRS 485.314 and NAC 485.155, the Department will interpret the phrase “identification number of each insured” to mean:

(a) If the insured is a natural person, the social security number or driver’s license number of that person.

(b) If the insured is not a natural person, the employer identification number of that entity.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98)

NAC 485.155 Contents of record provided by insurer. (NRS 485.130, 485.314) An insurer that is required to provide the Department with a record pursuant to subsection 1 of NRS 485.314 shall ensure that the record includes, in addition to the items required pursuant to that subsection:

1. The name or identification number of each insured who is removed from the motor vehicle liability policy;

2. The make, year and vehicle identification number of each motor vehicle that is removed from the motor vehicle liability policy; and

3. Data that identifies any incorrect information that the insurer provided to the Department previously, accompanied by new and accurate information.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98)

NAC 485.160 Form of record submitted by insurer. (NRS 485.130, 485.314)

1. Except as otherwise provided in subsection 3, an insurer that:

(a) Insures motor vehicles which are registered in this State; or

(b) Issues motor vehicle liability policies that do not describe specific vehicles to:

(1) Companies who own or operate a fleet of vehicles and whose place of business is located in this State; or

(2) Residents of this State who own or operate a fleet of vehicles,

Ê shall submit a record required pursuant to NRS 485.314 in accordance with subsection 2.

2. A record submitted pursuant to NRS 485.314 must comply with a list of specifications that is available from the Department.

3. If an insurer:

(a) Insures fewer than 200 vehicles that are registered in this State; or

(b) Issues fewer than 200 motor vehicle liability policies that do not describe specific vehicles to:

(1) Companies who own or operate a fleet of vehicles and whose place of business is located in this State; or

(2) Residents of this State who own or operate a fleet of vehicles,

Ê the insurer may, in addition to submitting records in accordance with subsection 2, submit a record required pursuant to NRS 485.314 on a computer diskette that is 3 1/2 inches wide, IBM compatible, double-sided with double or high density and formatted to comply with a list of specifications which is available from the Department. Such a diskette must be submitted to the Insurance Verification Program, Department of Motor Vehicles, 555 Wright Way, Carson City, Nevada 89711-0800.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98; A by Dep’t of Motor Veh. by R162‑01, 3‑26‑2002)

NAC 485.165 Report of no activity by insurer. (NRS 485.130, 485.314) If in a particular month an insurer that is required to comply with NRS 485.314 has no issuances, amendments or terminations of motor vehicle liability policies to report, the insurer shall, on or before the 15th calendar day of that month, submit to the Department a record stating that the insurer has no activity to report. Such a record must be submitted on a form made available by the Department for this purpose.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98)

NAC 485.170 Correction of error in record. (NRS 485.130, 485.314)

1. If pursuant to NRS 485.314 the Department receives from an insurer a record that contains an error, the Department will return the record to the insurer for correction.

2. Upon receipt of a record that is returned for correction pursuant to subsection 1, the insurer shall correct the error and resubmit the record to the Department on or before the 15th calendar day of the following month.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98)

NAC 485.175 Failure of insurer to submit records. (NRS 485.130, 485.314)

1. If on two or more occasions within a 12-month period an insurer fails to submit records required pursuant to NAC 485.155, 485.160 or 485.165, the Department will consider the insurer to be in noncompliance with the provisions of NRS 485.314.

2. If the Department determines pursuant to subsection 1 that an insurer is in noncompliance with NRS 485.314, the Department will not provide to that insurer information regarding:

(a) A driver’s license; or

(b) The registration of a vehicle,

Ê until such time as the Department receives from that insurer each record that the insurer previously failed to submit.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98)

NAC 485.180 Discontinuance by insurer of practice of issuing and renewing motor vehicle liability policies. (NRS 485.130, 485.314) If an insurer decides that it will discontinue the practice of issuing and renewing motor vehicle liability policies within this State, the insurer shall, within 30 days after making such a decision:

1. Notify the Department of that decision; and

2. Submit to the Department a record which contains the date of expiration of each motor vehicle liability policy that the insurer has issued for a vehicle that is registered in this State.

(Added to NAC by Dep’t of Motor Veh. & Pub. Safety by R176‑97, eff. 6‑4‑98)

NAC 485.185 Suspension of registration: Reinstatement of registration of dormant vehicle. (NRS 485.130, 485.317)

(a) For mechanical circumstances:

(1) Receipts for repairs to the vehicle from a garage or mechanic; or

(2) Receipts for parts if repairs to the vehicle were completed by any other person.

(b) For seasonal circumstances:

(1) Receipts for the storage of the vehicle from a storage facility; or

(2) If the vehicle was stored on private property, an affidavit from the owner of the private property setting forth that the vehicle was stored on the property.

2. As used in this section:

(a) “Mechanical circumstances” has the meaning ascribed to it in NAC 485.028.

(b) “Seasonal circumstances” has the meaning ascribed to it in NAC 485.028.

(Added to NAC by Dep’t of Motor Veh. by R162‑01, eff. 3‑26‑2002)

NAC 485.190 Suspension of registration: Reinstatement of registration or rescission of suspension on ground of extenuating circumstances. (NRS 485.317)

1. If the registered owner of a motor vehicle for which the registration has been suspended pursuant to NRS 485.317 wishes to pay the reduced fee of $50 to reinstate the registration of the vehicle pursuant to paragraph (a) of subsection 9 of NRS 485.317, or to have the suspension of the registration of the vehicle rescinded without the payment of a fee pursuant to paragraph (b) of subsection 9 of NRS 485.317, on the ground of extenuating circumstances, the registered owner must present proof satisfactory to the Department that extenuating circumstances existed which prevented the registered owner from renewing the policy of liability insurance covering the vehicle. The proof presented must cover the period specified by the Department and be acceptable to the Department.

2. The Department will not rescind the suspension of the registration of a motor vehicle without the payment of a fee on the ground of extenuating circumstances for a registered owner more than once. The Department will notify the registered owner at the time the suspension is rescinded of the provisions of NRS 485.320, which requires cancellation of the registration of the vehicle on or before the date on which the policy of liability insurance covering the vehicle is cancelled or expires.

3. As used in this section, “extenuating circumstances” means that the motor vehicle was neither insured nor operated during a specific period because of circumstances beyond the control of the registered owner that are acceptable to the Department, including, without limitation, the hospitalization of the registered owner, the serious illness or death of a member of the immediate family of the registered owner, or any other catastrophic event.

(Added to NAC by Dep’t of Motor Veh. by R162‑01, eff. 3‑26‑2002)