Always Maintain Proper Auto Insurance In Nevada?

Answer 1

All vehicle owners in Nevada are responsible for property damage and personal injuries they cause. Liability insurance provides a good measure of protection for drivers who inflict accidental injury upon others or cause damage another person's vehicle. This type of insurance is required by law in the state of Nevada. Any person operating a motor vehicle must carry proof of liability insurance inside the car. Auto insurance can be purchased through any licensed company or agent conducting business within the state.

Minimum Liability Coverage Amounts

State law requires all drivers to carry a certain amount of liability insurance at all times. The minimum amount of insurance coverage needed is:

• $15,000 for bodily injury or death of a non-fault individual
• $30,000 for bodily injury or death of all non-fault parties per accident
• $10,000 for vehicle or personal property damage per accident

This coverage extends only to innocent victims in an accident caused by the insured. Drivers are responsible for the costs of damage to their own vehicle, which is covered by comprehensive and/or collision insurance.

Uninsured motorist protection and personal injury protection are optional insurance types in the state of Nevada. Agents will likely offer this coverage when a quote is given to an insurance shopper. Individuals may choose a higher level of liability protection than what is mandated by the state government.

Penalties For Lack Of Insurance Coverage

If a vehicle is registered and licensed in Nevada, owners must purchase the minimum amount of liability insurance and maintain it at all times. Failure to show proof of liability coverage when asked to do so by a law enforcement official can result in a monetary penalty or a suspension of driving privileges.

The amount of the fine will depend on the individual's driving record. If the driver has a certain number of traffic points on record, a citation for failure to carry proper insurance coverage can result in a temporary suspension of the driver's license. The vehicle owner may have to obtain SR-22 insurance in order to have the license reinstated. Available from various agents licensed in the state of Nevada, this insurance certificate proves financial responsibility on the part of the vehicle owner.

Driving While Intoxicated

This is a criminal offense, often resulting in jail time or license suspension. A fine as high as $1,000 may be handed down for a first offense of driving under the influence. A suspension of the driver's license for 90 days is also imposed upon the individual. The convicted driver may be allowed restricted driving privileges if an ignition interlock system is placed on the vehicle. An alcohol awareness course may be ordered by the court. The cost for this education is the responsibility of the convicted individual.