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.

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:

I am only 17 and I just got my license just last week. I received a speeding ticket for doing 55 in a 45 zone. How much are my insurance rates going to jump because of this violation and for how long? I got the reduced rate for attending driving school from my insurance company and I do have the good student discount. I live in Las Vegas Nevada.

Brad

Las Vegas, NV

Each insurance company handles insurance points differently. The car insurance company uses a point system under which assigns their individual values to each type of traffic infractions and accident claim. Chances are the insurance providers will not assign a higher rate for that minor traffic infraction. But, this violation may force your insurance carrier to remove any “safe driver” discount that applies to your insurance policy. The length of time that this violation will affect your insurance rate depends upon your insurance carrier. Some insurance companies verify the last 3 years of your motor vehicle report. Some use the last 5 years, and some even use the last 7 years.

Reader’s Question:

How will accident increase my insurance premiums?

Cecille

Thank you for asking Cecille.

The state of Nevada requires all registered motor vehicles to be covered with a minimum liability insurance coverage of

$15,000 for bodily injury or death of one person in any one accident
$30,000 for bodily injury or death of 2 or more persons on any one accident; and
$10,000 for damage or destruction of property of others in anyone accident is mandated.

This coverage must be reported by an insurance providers authorized to do business in the state of Nevada.

From this Department Of Insurance information it would seems that insurance providers in Nevada can rate on accidents for a period of 3 to 5 years. It will affect your insurance rates depending on your individual insurance company’s rating system and the type of accident you were in. You may be able to get more information regarding the rating system from your agent or from contacting the NV DOI since insurance carriers file their rates with this state agency.

Goodluck!

MariCAR

Reader’s Question:

I just want to know if it is true that insurance rate is higher in the state of Nevada for drivers older than 60 years old?

Cheska

Thank you for asking Cheska.

Some insurance companies charge higher rates for drivers who are over a certain age, such as 75 if state laws allow. The reason for this is that risk analysis and statistics show that reaction times, vision, etc is worse for elderly drivers. Since age is a factor for rating insurance rates that most states allow the age of the driver can cause rates to rise, some insurance providers will not insure any driver over 75.

Some insurance providers offer lower rates to those between 50 and 65 years of age. This group usually has lower accident rates. Typically, after age 65 rates begin rising again though and individuals over age 70 may have difficulty finding an insurance companies that will accept them since accidents for this age group tend to increase.

There are some car insurance companies that give driver discounts for drivers of a certain age with a good driving records or discounts to seniors who attend an approved driving course.

Goodluck!

MariCAR

Reader’s Question:

I just moved in Las Vegas but I have a license in FL. Can I use that license to insure my car in NV?

Clifford

Thank you for asking Clifford.

Yes, you should be able to obtain and insure a vehicle in Las Vegas, Nevada with a Florida driver’s license but if you have moved to Nevada and plan on staying as a resident of this state then you will need to get a NV driver’s license.

The NV DMV states that a new Nevada residents must get their driver license within 30 days. If you brought a vehicle with you to NV you would need to get vehicle registration within 60 days. The fine for failing to register your vehicle is $250-$500.

Auto insurance must be issued by a Nevada-licensed carrier for a motor vehicle registered in state. Out of state insurance is not accepted. Minimum liability insurance requirement is $15,000/$30,000/$10,000. You must always keep a Nevada Insurance card in your vehicle at all times and present it to law enforcement upon request.

Goodluck!

MariCAR

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

Reader’s Question:

I just want to know how long do you have to carry an sr22 in Nevada?

Jean

Thank you for asking Jean.

The SR-22 in Nevada can be required to an individual for a certain period of years depending upon the reason that you are required to get this financial responsibility certificate.

If you are mandated by the state to obtain an SR-22 due to being without an insurance while driving and got involved in an accident , the Nevada Department of Vehicles lists that you must carry that SR-22 coverage for 3 years.

The Nevada DMV discusses the SR-22 proof of financial responsibility under the suspension and revocation section. If you are mandated to purchase an SR-22 form to restore or reinstate your drivers license that was suspended or revoked due to a DUI or major traffic offenses, the period of required coverage begins when you actually reinstate your license, regardless of when this happens.

According to the NV DMV, there is no limit of time or statute of limitation on the requirements for the sr22. The DMV does not notify motorist when the period of required coverage ends. To get information when your SR-22 coverage can be ended, you may contact the Nevada DMV directly.

If you do not maintain SR-22 coverage during your required time period to carry it, your insurance provider will inform the DMV. Once the DMV has been notified about the cancellation, DMV will suspend your license and you will be informed by certified mail. To have your license reinstated you will need to again get SR-22 coverage and the required period of coverage will start over again.

Goodluck!

MariCAR