Reader’s Question:

Hi, I need to know if there really is a special law here in Las Vegas, Nevada wherein I would have to show the title of my car in order for me to get my car insured.

Brenda Johnson

Las Vegas, NV

Insurance companies do not necessarily require you to show the title of your car but they may require you to show that you have insurable interest (Exists when an individual would suffer an economic loss as the result of damage to property or bodily injury.) Many people do not have the car’s title since we have vehicle loans and leases which would be under lien holders who hold on to the vehicle’s title until they pay it off.

The guidelines for insurance companies vary, but in general if you apply for automobile insurance in any insurance company, the information you need to bring will always be the same no matter where you are, (including Las Vegas, Nevada.) Commonly, the items are Driver’s License Numbers for all drivers, Social Security Numbers for all drivers (if applicable), and Credit card and checking account information (if applicable). You will need to answer general questions and some information regarding the other drivers that may be driving your vehicle, the regular passengers of your vehicle, your history on any violations, the type of coverage you want to get, and the account setup.

Car insurance companies will usually ask for your vehicle’s current registration as proof. It would help to prove that you have insurable interest in your car with the registration. Having an insurable interest in something means that loss or damage to it would cause one to suffer a financial loss.

Tags: auto insurance, car insurance law

Reader’s Question:

I heard that your auto insurance is higher if you reside in an apartment complex in Las Vegas? Is this true?

Ben

Las Vegas NV

Yes, it is possible that if you live in an apartment complex in Las Vegas Nevada, it may affect your car insurance rates. Insurance carrier’s rating systems and insurance guidelines vary. The state insurance laws govern what factors an insurance provider can rate a person using and then an insurance carriers have their own rating systems. Such factors include the garaged location of the car. Parking your vehicle in an apartment complex is a rating factor that your insurance carrier may use if your state laws permit and your insurance providers guidelines have it as part of their rating system.

Of those insurance carriers that do rate using the garaged location of your car, many find it a higher risk if you reside in an apartment complex. There are more automobiles in the specific area with parking area and roadways that may possibly increase the chance of a car insurance claim. Some think that the risk of vandalism and or theft is also higher since it is easy to access the vehicles. In most areas, such as towns or college the insurance carrier may show that there is a higher cases of accidents in an apartment complex that is inhabited primarily by inexperienced or younger motorist.

Tags: auto insurance, car insurance rate

Reader’s Question:

If I let someone operate my vehicle who does not have car insurance but I have full coverage would that person be covered under my car insurance policy in Sparks, Nevada?

Aubrey

Sparks, NV

Car insurance policies differ, especially the exclusions area, so it would be up to the specifics of your auto insurance policy if a person you loan your vehicle to will be covered or not by your current insurance policy.

Generally, most insurance policies will extend your insurance coverages to those that you give permission to drive your car but if that person resides in your household then normally they would have to be on the insurance policy to be covered and if you loan your vehicle out to a friend for an extended period of time or an individual who operates your vehicle on a regular basis they may need to be added to the insurance policy as an occasional driver.

Some auto insurance policies got exclusions for other drivers. The exclusions may only permit the listed drivers to be covered or more likely exclude motorists under a certain age.

To know exactly what coverages from your insurance policy would extend to anyone you permit to drive your car, read over the terms of your insurance policy and talk with your insurance carrier’s agent in Sparks, Nevada. They should be able to tell you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident. If your insurance coverages extend to other drivers then insurance claims would normally come through your insurance policy for an accident and therefore your future car insurance rates could be affected.

Tags: auto insurance

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.

Reader’s Question:

Am I required to insure my golf cart. I live in Las Vegas, NV.

John

Las Vegas, NV

There are some certain areas of Nevada that would require insurance on golf carts.According to the Nevada Department of Motor Vehicles states that golf carts may be operated in residential developments where the appropriate city or county government has approved their use.

Certain developments in Clark County where carts are used as general transportation are required to have a DMV permit and insurance.Since Las Vegas is located within Clark County it seems that you may be required to have a DMV permit and insurance depending upon if your golf car is used for general transportation and the local of your housing development.

It is the responsibility of the owner of golf cart to know what roads are designated as permissible for the operation of golf carts.

Reader’s Question:

Do I get an sr22 for not obeying a traffic light and driving without insurance? I live in Las vegas.

Yuri

Thank you for asking Yuri.

It is worth four demerit points on your driver’s license if you get convicted of a traffic signal or stop sign in the state of Nevada . It does not give you any demerit points if you drive without insurance however it does come with penalties.

Nevada requires that all registered motor vehicles have minimum liability insurance coverage of 15/30/10. If the insurance coverage lapse while registration is still in effect, the NV Department of Motor Vehicles may suspend the car registration. This will also come with a charge a $250 reinstatement fee.

You may be required to file a SR-22 with the DMV to reinstate your driving privileges since you have your license suspended because of the recent violation . The period of required coverage begins when you reinstate your license.

There is no time limit or statue of limitation on the requirements for the SR-22 insurance in the state of Nevada. If you fail to maintain coverage during the required period, your driver license will be suspended or revoked. To get more information on what the penalties will be for your tickets, you may contact the court listed on your citation.

Goodluck!

MariCAR