Lawsuit Abuse Is Making Life More Expensive in Nevada. Congress Can Help.

Nevada drivers already pay some of the highest car insurance rates in the country, and lawsuit abuse is a big reason why. I wrote about this a few weeks ago in the Nevada Political Journal (“Lawsuit Abuse Is Driving Up Nevada’s Cost of Living,” Sept. 17, 2026). Lawsuits do not stay in the courtroom. The costs get passed on. Insurance companies raise rates, businesses raise prices, and Nevada families end up paying more.

A lot of that pressure comes from unlimited liability in car cases, including rideshare and delivery. Last legislative session, Nevada passed AB 523. It was a straightforward bipartisan compromise. Companies still have to carry $1 million in coverage. They just cannot be sued automatically just because one of their drivers caused a crash. If the company itself was negligent, it can still be held responsible. Drivers stay accountable for their own actions, and people with real claims can still go to court.

The Fong-Gillen Amendment in the BUILD America 250 Act would do the same thing nationwide. It does not give companies a free pass and it does not wipe out old cases. It just says a company should not be sued only because of its connection to the driver, the same practical rule Nevada already put in place.

Congress should keep the Fong-Gillen Amendment in the Senate version of the BUILD America 250 Act. Nevada already showed both sides can agree on something fair. Passing it would help hold down insurance costs without taking away anyone’s right to sue for real harm. Sens. Jacky Rosen and Catherine Cortez Masto should support keeping the amendment so Nevada drivers and families get the same relief.

By Brock Marquez