Auto Insurance Laws in Nevada – Do I Have to Show Car Title?

Reader’s Question:

Hi, I need to know if there really is a special law here in 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.

SR22 Auto Insurance in Nevada

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