Nevada Auto Insurance Quotes and
Coverage Guide
Nevada Motor Vehicle Insurance
Questions & AnswersQ: Is
auto insurance mandatory?
A: Yes. Even though Nevada is known as the Silver
State, it produces more gold than any other state in
the U.S. But everybody know its real goldmine is
gambling – and that’s where poker and jokers come
in. Nevada has mandatory liability responsibility
laws that are met through Nevada licensed insurance
carriers to help keep all the jokers off the road.
All registered vehicles are required to have the
minimum liability coverage and to have verification
cards carried in them at all times. Roadside
spot-checks, direct-mail verification, and insurance
company data comparisons provide verification
methods to ensure compliance. So you might as well
fold if you’re betting on going for long with no
insurance. In other words, on the roads of Nevada,
the House ALWAYS wins.
Q: Is Nevada a "tort" state?
A: Nevada operates under the tort system of
insurance, which means there are no restrictions on
lawsuits. So if you haven’t already lost everything
to your name playing poker, and you’re at fault in a
wreck, the other driver and/or the other driver’s
passengers can sue the jingles right off your joker
for any pain and suffering or out-of-pocket medical
costs.
Q: What type of insurance is required to purchase
and maintain a Nevada tag and registration?
A: Nevada law requires you to have at least
$15,000/$30,000/$10,000 in liability insurance. This
means coverage must be at least $15,000 because of
bodily injury to or death of one person in any one
accident to a limit of not less than $30,000 because
of bodily injury to or destruction of property, and
to a limit of not less than $10,000 because of
injury to or destruction of property some joker has
caused in any one accident. Don’t try to think too
hard on this until you’ve read it several times, and
don’t try to read it while you’re playing poker.
Q: Can I maintain my current policy issued in my
previous state of residence?
A: Only for 30 days or until the out-of-state
registration/plates expire, whichever comes first.
Then you have to get a Nevada license and
registration, which requires proof of Nevada
insurance -- unless you forgot about the jokers and
have already lost your car in a poker game.
Q: What is the Insurance Verification Program and
how does it affect me?
A: Since Nevada requires that all registered
motor vehicles be covered by liability insurance,
the DMV has established an Insurance Verification
Program (IVP) to identify uninsured motorists and
enhance the public safety of Nevada residents.
(Read: Catch all the slackers.)
Through the use of computer programs in partnership
with Nevada insurance companies, the DMV identifies
registration records where insurance has been
terminated and no new policy issued.
If you’ve dropped your insurance, you are asked
first to verify your coverage. If you don’t respond
because you’re still at the poker table wondering
about the jokers, or can’t verify coverage, the DMV
suspends your vehicle’s registration and notifies
you by a certified letter.
Uninsured motorists are required to provide current
proof of insurance and pay a $250 reinstatement fee
to reinstate a suspended registration. The fee can
be reduced to $50 if the motorist has sufficient
proof that the vehicle was not operated during the
period insurance coverage was not in effect – which,
for some jokers, is easy to do because they’ve been
playing poker that whole time.
Nevada law enforcement officers are required to
remove the license plates from any vehicle on which
the registration has been suspended. They may also
impound the vehicle itself. Of course, this won’t
matter if you’re so into the poker game you’ve
forgotten you even have a car.
Insurance Verification suspensions are
administrative actions taken by the Department of
Motor Vehicles. They are not criminal charges and
will not result in arrest warrants or prosecution.
In other words, they won’t interrupt your game.
Q: What if I fail to keep insurance on my vehicle
that I’ve registered in Nevada?
A: Should the coverage lapse while
registration is still current, the Department of
Motor Vehicles may suspend the vehicle registration
and charge a $250 reinstatement fee. No joke.
Q: I am not a resident of Nevada but I visit for
several months during the year. Do I need Nevada
insurance?
A: If you are living temporarily in Nevada –
like in the backseat of your car because you’ve lost
all your motel money playing poker – you are not
required to register your vehicle or obtain a driver
license as long as you’re not employed in Nevada.
However, you must have a valid vehicle registration,
driver license, and insurance from your home state
to drive in Nevada.
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