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:

I have collision and comprehensive on my vehicle and last week my car was stolen in a different state, I am wondering if my vehicle will be covered in Las Vegas.

Lee

Las Vegas NV

If your vehicle was stolen, you may verify with the terms of your car insurance policy and information why your vehicle is out of state.

If you are just visiting out of state then normally yes, your car insurance will cover your stolen car under your comprehensive coverage. I suggest that you contact your car insurance carrier to make a car insurance claim and inform them that your vehicle was stolen while you were out of state.

Whatever the reason why your stolen vehicle is out of state, you still need to contact your car insurance carrier in Las Vegas Nevada to see if you could make a car insurance claim on the stolen car under your comprehensive coverage. The claim adjuster will be able to tell you if the car insurance claim will be accepted or denied.

Tags: auto insurance, comprehensive insurance coverage

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:

I had a vehicular accident and it was not my fault and my car insurance in Las Vegas, NV had been cancelled. Can I still report auto insurance claim if it is less than a few days that it has been cancelled.

Meg

Las Vegas, NV

You could not place an insurance claim through your own insurance providers since your insurance policy in Las Vegas, NV was cancelled and therefore not in effect at the time of the incident. It does not matter if your car insurance policy was cancelled by a couple of hours, days or weeks, ago if your insurance was not valid at the time of the accident you would not be covered under your auto insurance policy. But you mentioned that the incident was not your fault so you may be able to put an insurance claim through the at-fault party’s insurance carrier.

You can put an insurance claim with the at-fault driver’s insurance company to check if they will accept it. Their insurance claims department should be contacted to put the insurance claim for the damages your car sustained in the accident.

Tags: auto insurance claims, car insurance, car insurance cost

Reader’s Question:

We move around a lot because my husband is in the military. I would like to know if we insure our cars in the state we live in which is in Las Vegas Nevada?

Jane

Las Vegas, NV

With regards to driver’s license as well as vehicle’s registration, military families have special rules that apply to them . They are permitted normally to keep their driver’s license and vehicle registration in the state which they declare as their permanent address but state laws can vary.

According to the Nevada DMV students, active duty military personnel, (including their accompanying family members) residing temporarily in Nevada are not required to register their cars or get a driver license as long as they are not employed in NV.

You also should tell your insurance broker in Las Vegas that you are in the military and stationed in another state. Each state has different requirements regarding the minimum levels of coverage required. Your insurance broker will be able to tell you if your car insurance policy is adequate or if any changes need to be made.

Tags: military discount, military insurance

Reader’s Question:

I got convicted of DUI and would like to know more about SR22 filing in Las Vegas Nevada, NV.

Dell

Las Vegas, NV

An SR-22 is a form that your SR22 insurance company in Las Vegas provides. SR22 simply proves to the requiring authorities that you have insurance.

For DUI cases, SR-22’s are required for three to five years, and have certain stipulations that the issuing company in Las Vegas must comply with. The DMV insists on an SR-22 in order for you to get your license back in Las Vegas NV. Your SR22 form tells the DMV that a company wrote you a policy in Nevada NV.

There are companies that specialize in getting you an SR22 at the lowest possible rate. These companies are usually committed in getting your SR22 as simple as possible. One click will start you on the road to getting your license back in no time. You can start shopping online in websites like this one. You can possibly shop online free from any obligations whatsoever. I encourage you to do that because this way, you get to compare rates Las Vegas Nevada for you to get the cheapest rates possible.

Remember too that SR22 filing is not only for those with DUI like you. There are other high risk drivers which can be required to file SR22 in Las Vegas such as those who are 70 years or older, 20 years or younger, or those with a history of auto accidents or bad traffic violations in NV.

Tags: auto insurance, car insurance, cheap sr22 insurance, DUI

Reader’s Question:

I just obtained my valid MA Learners permit recently. My mother lives in Las Vegas Nevada and I am planning to visit her often. Can I drive using my MA learner’s Permit in Nevada? If so what are the restrictions for this?

Smith

Las Vegas, NV

Here are the driving restrictions for teens in the state of Nevada:

• Young drivers may not transport any person under the age of eighteen, except for immediate family members, for the first 6 months after the license was issued.
• Young Drivers under eighteen may not operate the vehicle between the hours of 10 p.m. and 5 a.m. This applies to all motorists under the age of eighteen until they turn eighteen, regardless of when the license was issued.
• Nevada has a .02 blood alcohol limit for motorists under twenty one.
• Young driver licenses can be suspended for any of the same reasons as adult licenses and also for non-driving alcohol/drug offenses, habitual truancy or firearms violations.

So it seems like you can drive in the state of Nevada with your MA learner’s permit but with restrictions. I would suggest that you contact the Nevada DMV to find out for sure if all the restrictions and conditions you will have on you while in Nevada visiting your mother in Las Vegas Nevada.

Tags: car, teen insurance, Young driver car insurance

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.