To be eligible for Nevada license reinstatement when you don’t own a vehicle, you’ll need to purchase Nevada non owner SR22 insurance. The Nevada Department of Motor Vehicles maintains records for all Nevada drivers. Violations of motor vehicle laws are recorded on your DMV record. If you accumulate too many points on your Nevada DMV record or commit a major offense such as DUI, your license will be suspended. Common reasons drivers have to carry Nevada non owner SR22 insurance are:
- Child support or neglect cases’
- Court orders
- Uninsured auto accidents
- Refusal to consent to a DUI or DWI test
- DUI or DWI offenses
- Too many points on a driver’s DMV record
Nevada non owner SR22 is a certificate called a financial responsibility form This form is attached to a non-owners insurance policy that’s written for one individual only. It covers you when you drive a non owned vehicle on an occasional basis. This certificate is a guarantee of future financial responsibility by way of non owner insurance coverage. Therefore, it is monitored to ensure it is kept active for the period of time set by the state. SR22 insurance must usually be carried, uninterrupted, for a period of three years. If there is a gap in coverage due to nonpayment, or if the policy is allowed to expire or is canceled, your license will be re-suspended. Your insurance provider is required to notify the DMV of any lapse in coverage by filing an SR26 form.
Nevada non owner SR22 does not cover:
- Cars, trucks, or motorcycles owned by others in your household
- Vehicles you have access to drive frequently
- Commercial vehicles
- Rental vehicles
- Employment related vehicles
Nevada non owner SR22 insurance is secondary insurance. In the event you cause an accident when driving a borrowed vehicle, the vehicle owner’s primary insurance pays claims. If claims exceed the limits of the owner’s coverage, your non owner SR22 policy pays any remaining claims. Before driving a borrowed vehicle, it is important that you confirm the vehicle is properly insured by the owner. This is because SR22 insurance does not cover damage to the vehicle you’re driving.
If you buy a vehicle during the time period you’re are required to carry Nevada non owner SR22 insurance, you’ll need to convert to an owner SR22 policy. The premium will increase, depending on the vehicle type, year, make and model, and whether it includes liability only or full coverage.
UltraCar Insurance agents provide quick, competitive SR22 quotes. When you need Nevada non owner SR22 insurance, call us – or click the button to start a quote now.