To be eligible for Nevada license reinstatement when you don’t own a car, you’ll need to buy Nevada non owner SR22 insurance. The Nevada Department of Motor Vehicles maintains driving records for all drivers in the state and records violations of motor vehicle laws on your DMV record. If you get too many violations (points) on your driving record or commit a primary offense such as DUI, the state suspends your license.
Typical reasons people need Nevada non owner SR22 insurance:
- 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
What is non-owner insurance?
Nevada non owner SR22 is a certificate called a financial responsibility form. When an insurance agent attaches the SR22 form to a non-owner insurance policy and submits it to the DMV, it serves as a guarantee of future insurance coverage.
A non-owner insurance policy covers one individual only – you, the policyholder – when you occasionally drive a borrowed vehicle. The SR22 certificate guarantees future financial responsibility (by way of carrying non-owner insurance coverage), so the insurer monitors your policy to ensure it remains current. The state usually requires people to keep SR22 insurance active for three years. During this time, if you fail to pay your premium, fail to renew, or cancel your policy, the state will suspend your license again. The insurance company must notify the DMV of any lapse in coverage by filing an SR26 form.
How does Nevada non owner SR22 work?
Nevada non owner SR22 insurance is secondary insurance. If you cause an accident when driving a borrowed vehicle, the primary insurance carried by the vehicle owner covers claims. If the claims exceed the vehicle owner’s coverage, your non-owner SR22 policy pays any remaining claims.
Necessary to know: Non-owner SR22 insurance does not cover damage to the car you’re driving. Therefore, make sure the owner has current state-required insurance coverage on it.
What if I buy a car?
Suppose you buy a vehicle while carrying Nevada non owner SR22 insurance. In that case, you’ll need to convert to an owner SR22 policy. Your premium will increase, depending on the vehicle type, year, make, and model of the car, and whether you want liability only or full coverage.
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 DMV Resources
When you need Nevada non owner SR22 insurance, UltraCar Insurance agents provide quick, competitive SR22 quotes. Call us today – or click the quote button to get started!
This article was last updated on January 9th, 2023 by UltraCar Insurance