If your license has been suspended, you’ll need to buy SR22 insurance Nevada as a condition for reinstatement so you can continue to drive. Nevada SR22 insurance is considered a guarantee to the state that you will carry the required minimum liability insurance coverage without interruption for a set time period.
SR22 insurance Nevada is high risk insurance that must be purchased for license reinstatement. SR22 insurance is not an actual policy. It’s a financial responsibility form attached as a rider to your auto insurance policy and filed with the Department of Motor Vehicles by your insurance provider. Because this insurance is a guarantee of future insurance coverage, the certificate is monitored to ensure it’s kept in force at all times. In Nevada, SR22 insurance must be carried for three years in most cases. If your policy lapses, expires or is canceled, your insurance provider notifies the Nevada DMV by submitting an SR26 filing. This results in your driving privileges being suspended again.
Common reasons people are required to carry SR22 insurance Nevada
Nevada drivers may have their license suspended for a number of reasons, including:
- Legal judgments
- Unpaid child support
- DUI or DWI offenses
- Refusal to consent to a DUI or DWI test
- Uninsured auto accidents
- Multiple points against a driver’s DMV record
Can I get a Nevada SR22 if I don’t own a vehicle?
If you don’t own a vehicle and want to apply for license reinstatement, your SR22 certificate will be attached to a non-owner insurance policy. This is called Nevada Non Owner SR22 insurance.
Residents of Nevada can also obtain Broad Form SR22 insurance. This type of insurance is available to vehicle owners and to those who don’t own a car and is less expensive; however, it has very strict limitations.
You can see more details concerning Nevada license suspensions and revocations on the state DMV website.
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This article was last updated on April 10th, 2019 by UltraCar Insurance