1.  Every policy of insurance issued by a private carrier:

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(a) Must be in writing;

(b) Must contain the insuring agreements and exclusions;

(c) Is subject to chapters 616A to 617, inclusive, of NRS and regulations adopted pursuant to those chapters; and

(d) If it contains a provision inconsistent with this chapter or chapter 616A, 616C, 616D or 617 of NRS, shall be deemed to be reformed to conform with that chapter.

2.  The Commissioner shall, by regulation, prescribe the basic policy to be used by private carriers.