Keeping Auto Insurance When Your License Is Suspended
In Nevada, if you accrue a certain number of demerit points within a 12-month period, your license is automatically suspended for six months. If this happens, you may wonder what happens with your auto insurance policy.
Do You Still Need Auto Insurance?
In nearly every state, including Nevada, registered vehicles must have state minimum liability coverage, even if they are parked indefinitely. Additionally, if you lease your vehicle or are paying on a car loan, your lender or lessor may require that you carry comprehensive and collision coverage. Therefore, even if you are not currently able to drive your vehicle, you cannot cancel your auto insurance policy.
Maintaining Your Auto Insurance Coverage
The good news is that for most drivers, auto insurance policies do not get canceled in the middle of the policy term due to a suspended license. Even if you have temporarily lost your license, your car is still covered by your auto insurance policy. While this may not seem like a big deal if you are the only one who drives your car, this protection is important if there are others who drive the vehicle.
It is important to note that some auto insurance policies contain exclusionary clauses for driver suspensions. Most commonly, these clauses state that if a member of your household has had their licenses suspended or revoked and you fail to report it to the auto insurance company within 60 days, that driver will be dropped from the policy.
Although your auto insurance policy may not get canceled if you are in the middle of your policy term, your auto insurance company may decide not to renew your policy, meaning that you will need to find another auto insurance company.
How Can I See If My License Is Suspended?
In Nevada, the Department of Motor Vehicles sends a certified letter before your license is suspended that tells you about the suspension and your rights. Additionally, you can request a copy of your driving record from the DMV. This record contains information such as the status of your license and how many demerit points you have incurred.
How Long Does A Suspended License Last?
The length of a suspension depends on state laws and the type of driving offense. In Nevada, a driver who accumulates 12 demerit points automatically has their license suspended for six months.
Can I Still Use My Suspended License as an ID?
Even if your license is suspended, you can still use it as a valid ID, assuming that it is not expired. If your license is taken, you can visit your local DMV and request an ID card.
Finding Affordable Auto Insurance with Nevada Insurance Enrollment
There are some situations in which maintaining auto insurance coverage with a suspended license may be a challenge. At Nevada Insurance Enrollment, our auto insurance agents can help you understand your policy and options when it comes to keeping your coverage.
Recent Posts
Why Have PPO Plans Vanished from Nevada’s Individual Market?
The PPO plan decline reflects a Nevada health plan shift, with Nevada Health Link offering HMO/EPO plans due to ACA rules and record 2025 enrollment. These plans limit provider choices but ensure affordable coverage. Learn why PPO plan reduction occurred and how to choose coverage.
Health Insurance Benefits for American Indians
Health insurance for American Indians offers zero cost-sharing, monthly enrollment, and IHS access via Nevada Health Link. The ACA ensures affordable Nevada tribal health coverage with premium tax credits and Medicaid/CHIP options. Learn how to navigate tribal health insurance benefits.
What is a Summary of Benefits and Why Should I Read It?
A summary of benefits (SBC) is a 4-page document explaining a health insurance plan’s coverage, costs, and examples. It helps compare plans, understand costs like premiums and deductibles, and assess coverage for services like doctor visits or preventive care. Available through Nevada Health Link, the SBC is standardized for easy comparison but does not include provider networks or full exclusions. Learn how to use the SBC to choose a plan that fits your needs.