If the state suspended your driver’s license, you’ll need to buy SR22 insurance Nevada as a condition for reinstatement. A Nevada SR22 certificate filing is a guarantee to the state that you will maintain minimum liability insurance coverage for a specific time.
You must purchase high risk auto insurance for license reinstatement. SR22 insurance is not an actual policy. It’s a financial responsibility form, or rider, to your auto insurance policy. Your insurance provider files it with the Department of Motor Vehicles, which means that you agree to keep the insurance policy current for the time the state requires it. Because this insurance is a guarantee of future insurance coverage, the insurance company makes certain you keep it in force. In Nevada, most people who require an SR22 filing must keep it for three years. If you let your insurance coverage lapse, the insurance company notifies the Nevada DMV by filing an SR26 form. This results in another suspension, or even revocation, of your driving privileges.
Common reasons people must carry SR22 insurance
Nevada may suspend a driver’s license 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 high-risk auto insurance if I don’t own a vehicle?
If you don’t own a vehicle and want to apply for license reinstatement, your insurance provider attaches the SR22 certificate to a non-owner insurance policy. This is known as 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’ll find more details concerning Nevada license reinstatement on the Nevada DMV website.
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This article was last updated on July 6th, 2023 by UltraCar Insurance