The Nevada Department of Motor Vehicles maintains records for all Nevada drivers. Violations of motor vehicle laws are recorded on an individual’s DMV record. For example, if a driver accumulates too many points on their Nevada DMV record or commits a major offense such as DUI, the result will be suspension of their license. To be eligible for Nevadalicense reinstatement, individuals who do not own a vehicle will need to purchase Nevada non owner SR22 insurance.
Nevada non owner SR22 insurance is a certificate of financial responsibility that is written for one person only, covering any non owned vehicle that the policyholder occasionally borrows to drive. The Nevada non owner SR22 policy is monitored closely by the driver’s insurance provider. This is done to provide assurance to the Nevada DMV that the policy is kept active for the period of time set by the state. Drivers are usually required to carry Nevada non owner SR22 insurance uninterrupted for a period of three years. If there is a gap in coverage due to nonpayment of the premium, or if the policy is allowed to expire or is canceled, the insurance provider will immediately notify the DMV by filing an SR26 form, and the driver’s license will be suspended again.
Nevada non owner SR22 insurance serves as secondary insurance to a vehicle owner’s primary insurance policy. In case of an accident that is the fault of the SR22 policyholder, the vehicle owner’s primary insurance pays claims. If claims exceed the limits of the primary insurance coverage, the Nevada non owner SR22 policy pays any additional claim amounts. Before driving a borrowed vehicle, it is important that the SR22 policyholder confirm that the vehicle is properly insured by the owner.
If the policyholder purchases a vehicle during the time period they are required to carry Nevada non owner SR22 insurance, they will 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.
Nevada non owner SR22 insurance is liability only insurance coverage. It will not cover:
- Household vehicles
- Vehicles driven frequently
- Commercial vehicles
- Rental vehicles
There are various reasons a driver may be required to carry Nevada non owner SR22 insurance. Some examples are:
- Child support or neglect cases
- 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
UltraCar Insurance agents provide quick competitive non owner SR22 insurance quotes. When you need Nevada non owner SR22 insurance, call or submit our secure online form.