You may have an exclusion in your polocy. An exclusion gives a condition for which an insurance policy does not cover. You may have homeowners insurance. It may exclude damage to vehicles. You would need to have a separate insurance policy on your car.
Nevada is one of a handful of states that creates a private right of action for violations of its Unfair Claims Settlement Practice Act, NRS 686A.310. Subsection (2) of the statute provides that “an insurer is liable to its insured for any damages sustained by the insured as a result of the commission of any act set forth in subsection 1 as an unfair practice.”
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