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SR22 Insurance in Nevada
What is SR-22 Insurance in Nevada?
SR-22 insurance in Nevada is a certificate of financial responsibility that is required for certain drivers to reinstate or maintain their driving privileges.
This certificate is not an insurance policy itself but rather a form that your insurance carrier files with the Nevada Department of Motor Vehicles (DMV).
It is typically required for drivers who have been convicted of certain traffic violations such as DUI (driving under the influence), reckless driving, or driving without insurance.
In Nevada, an SR-22 is often mandated for the following reasons:
- To reinstate a suspended driver’s license after a DUI conviction.
- Following a suspension due to an uninsured auto accident.
- As a consequence of accruing too many points on a driving record.
Nevada Insurance Requirements
It’s important to note that when you are required to have an SR-22, you must carry the minimum Nevada liability insurance coverage required by the state of Nevada. This typically includes:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
- Property damage liability coverage: $20,000 per accident.
Having an SR-22 certificate generally indicates to insurers that you are a high-risk driver. As a result, the premiums for your car insurance may be higher than average. The SR-22 must be maintained for a specific period, often three years, and if your insurance policy lapses or is canceled during this period, your insurer is required to inform the Nevada DMV, which may result in a suspension of your driving privileges.
It is essential for drivers in Nevada who are required to have an SR-22 to maintain continuous insurance coverage and to comply with all traffic laws to avoid further penalties or suspension of driving privileges.
The Nevada Department of Motor Vehicles (DMV) requires all registered drivers to carry a certain amount of liability auto insurance while driving. Suppose a driver causes anyone else injuries or property damage while driving. In that case, they’ll be on the line financially to cover the costs of any damage they cause in an accident.
Driving without insurance is often punishable by driver’s license suspension. Many drivers find themselves in this predicament: The solution is SR22 insurance in Nevada or proof of financial responsibility.
When is SR22 Insurance Required in Nevada?
Filing an SR22 insurance certificate in Nevada is always required in cases of driver’s license suspensions as they certify that a high-risk driver has proof of insurance. A driver can become high-risk with:
- Driving under the influence (DUI)
- Driving without insurance
- Driving on a suspended or revoked license
- Multiple traffic violations or citations
- Reckless driving history
How Long Do I Need to Have SR-22 Insurance in Nevada?
In Nevada, the duration for which you need to have SR22 insurance can vary depending on the specific circumstances of your case. Generally, individuals are required to maintain SR22 insurance for a period of three years.
However, it is essential to note that this time frame can be extended if there are any additional violations or incidents during the initial three-year period. It is always advisable to consult with your insurance company and legal counsel to determine the exact duration of SR22 insurance required in your particular situation.
What are the costs associated with SR-22 insurance in Nevada?
SR-22 insurance in Nevada is a specialized form of auto insurance required for individuals involved in certain traffic violations or who have suspended their driver’s licenses.
The costs associated with SR-22 insurance can vary depending on several factors, including the individual’s driving record, vehicle type, and insurance provider.
However, on average, the annual premium for SR-22 insurance in Nevada ranges from $500 to $1,500. It is important to note that these costs are in addition to regular auto insurance premiums.
Additionally, some insurance companies may charge a one-time filing fee of around $25 to $50 to process the necessary paperwork for the SR-22 certificate.
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Nevada DUI Convictions
Most of the drivers who carry an SR-22 on file with the Nevada DMV have been convicted of a DUI. Most of the drivers in the United States maintain an SR-22 because of a DUI violation. A DUI will always result in a license suspension outside the associated legal penalties.
Nevada holds its drivers to the legal blood alcohol (BAC) limit of 0.08. Commercial drivers are held at a BAC standard of 0.04, while drivers below the drinking age 21 are held to a no-tolerance standard.
Breath Alcohol Ignition Interlock Device (BAIID) Requirements For Nevada
Nevada is also one of many states that employ ignition interlock devices for DUI offenders. A driver’s license reinstatement can usually only be accomplished after installing an interlock device.
Usually, an interlock device will remain on a car for under six months if the driver’s BAC is lower than 0.18 and for one to three years if their BAC is higher than 0.18.
Other penalties include attending a victim impact panel, DUI school, substance abuse program, and even impoundment of vehicles. Nevada is also known to charge a BAC testing fee of $60. Learn more about Nevada SR22 insurance from the Nevada DMV.
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