NEVADA SR22 INSURANCE

Drivers need an SR-22 to reinstate their suspended licenses following a Nevada DUI and other traffic violations. An SR-22 is a “certificate of financial responsibility” statement issued by a driver’s auto insurance company.

A Nevada SR22 insurance document is issued by a car insurance provider that serves as a “proof of financial responsibility” for high-risk drivers. It verifies that the driver currently has the minimum liability insurance legally required to maintain driving privileges in Nevada, which are:

• $25,000 for the bodily injury or fatality of one person
• $50,000 for the bodily injury or fatality of two or more people, and
• $20,000 for damage to others’ property

People who have had their driver’s licenses suspended by the Nevada DMV often have to file an SR22 with the DMV before they can get reinstatement of the license. It is irrelevant whether or not the person owns a vehicle.

• How Do I Get SR-22 Insurance in Nevada?
• Does an SR22 raise my car insurance rates?
• How Long Do I Need an SR22?
• What happens if I don’t file SR-22 Insurance after a DUI in Nevada?
• What does an SR-22 do for a DUI license suspension?
• Non-Owner SR-22 Insurance in Nevada

How Do I Get SR-22 Insurance in Nevada?

You cannot file an SR-22 in Nevada on your own. You will need to contact your insurer and request the form. Nevada requires insurance companies to report that their client has an SR-22 to the state’s DMV.

Car insurance providers often see drivers with SR-22 as high-risk and may decline to offer them coverage. If the provider covers these drivers, their rates will be significantly higher than individuals with a clean driving history. If your insurer refuses to request a form on your behalf, you’ll have to find a new provider.

Does an SR22 raise my car insurance rates?

Yes, an SR22 Insurance certificate raises your car insurance rates. It’s not the act of filing form SR-22 itself that raises your insurance rates, but getting a DUI almost always results in higher insurance rates.

Insurance companies rate drivers based on their risk. If you have a drunk driving conviction, the insurance companies believe that you’re more likely to get in an accident. You can expect to pay higher premiums for your car insurance.

How Long Do I Need an SR22?

The duration differs depending on the severity of your case. The standard period is three years, counting from the time your license is reinstated. More severe violations such as reckless driving may mean you’ll need an SR-22 for longer.

What happens if I don’t file SR-22 Insurance after a DUI in Nevada?

If you don’t file form SR-22 after a DUI in Nevada, you can’t get a valid driver’s license. Your license remains suspended. There’s no other option for getting back on the road lawfully than filing form SR-22.

What does an SR-22 do for a DUI license suspension?

You cannot have your license back without a Nevada SR-22 as it is important for DMV and other involved parties to know that you have the financial responsibility to be hitting the roads again after a DUI.

Now, if you want to have your driver’s license reinstated, you must wait for the suspension period to be over before you can get an SR-22 and file for reissuance of your license. A first time DUI conviction warrants 185 days of license suspension while a second and third DUI entails one and three years of suspension, respectively.

Non-Owner SR-22 Insurance in Nevada

If you don’t own a vehicle, Nevada non owner SR22 insurance makes it possible for you to have your license reinstated. You must remain covered by this liability insurance at all times during your suspension period, or lose your driving privileges again.

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.

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’re in need of reasonably priced auto insurance with an SR-22, we can help. Enter your ZIP code below to get individualized auto insurance rates from popular companies.
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