State Farm Mutual Automobile Insurance v. Commissioner of Insurance of Nevada

OPINION

State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company (“State Farm”) appeal from a district court order affirming a determination of the Commissioner of Insurance relative to State Farm’s calculation of liability insurance premiums. We are asked to determine whether, in the absence of regulatory action, State Farm’s interpretation of the “at-fault” rules set forth in NRS 687B.385 was reasonable. We conclude that it was and, accordingly, we reverse the decision of the district court.

STATEMENT OF FACTS

In 1987, the Nevada legislature enacted NRS 687B.385,…