Reader’s Question:

Hello. I am 18 years old and just obtained my G2 in Las Vegas. I was wondering if I can drive my friend’s car or my parent’s car that is insured without me being insured in?

Paul

Las Vegas, NV

With your G2 most insurance providers in Las Vegas will require you to be listed to your parent’s insurance policy since you are part of their household and now have more driving responsibilities with fewer restrictions while operating your parent’s cars.

If your parents do not notify the insurance provider in Las Vegas of your G2 licensing status then it is likely that you will not be properly covered if you were to get involved in an accident in your parent’s car. As for driving a friend’s car, the owner of the vehicle is typically responsible for anyone who operates their vehicle with permission so your friend will need to check with their insurance company to verify if you would be covered to drive their vehicle.

Your friend will need to keep in mind that if you are covered by their insurance company and you have an at-fault accident while driving their vehicle, it will go on their insurance record and your friend will get his/her insurance premium affected. Insurance does not follow the motorist; it goes with the vehicle.

Reader’s Question:

How long does an accident affect your insurance rates in Las Vegas Nevada?

Ray

Las Vegas, NV

As part of the rating system and to provide you an accurate Las Vegas quote for your insurance rate the Division of Insurance permits insurance carriers to request information on the description of your car, its use, your motorist license number, number and ages of motorist in your household, the coverage and limits you want and what tickets and accidents you have had in the last 3 to five years.

From this Division of Insurance information it would appear that insurance providers in Nevada can rate on accidents for a period of three to five years. The length of time that the accident will affect your insurance rates will likely depends on the type of accident you were in and your individual insurance provider’s rating system. You should be able to verify the rating system from your broker or from contacting the NV DOI since Las Vegas insurance companies file their rates with this state agency.

Reader’s Question:

My license was suspended in Las Vegas, Nevada and I have not cleared it up yet. Can I obtain a driver’s license in Texas for work?

Sharon

Las Vegas, NV

According to the Nevada DMV, all US states have access to the National Drivers Register (NDR), which is a database of problems motorist. They define problem motorist for this registry as those who have offenses for major traffic violations or whose motorist’s license has been suspended, revoked, canceled, denied.

According to the NV DMV no state may issue a motorist license if there is an active revocation or revocation in any other state. Therefore, if your license has been suspended in Las Vegas Nevada and you have yet to clear up those issues and have your NV license reinstated then you will be unable to receive a Texas state license.

You will have to obtain your Las Vegas Nevada driving privileges reinstated, and any issues cleared up, before another state will permit you to get a full license.