Consequences For Those Driving Without Car Insurance

So, getting caught without auto insurance is bad, but all you have to do is drive carefully and not get caught, right?

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Post - Penalties That Face Uninsured Drivers in Nevada

Not so fast. Even if you never get into an accident or get pulled over for a traffic violation, there’s still a good chance of getting caught. The Nevada DMV’s Liability Insurance Validation Electronically, or LIVE, system can identify which registered vehicles are uninsured.

The system can also determine how long a driver has been without auto insurance. If your car is identified as a possibly uninsured vehicle, then you’ll be required to provide proof of auto insurance within 15 days.

What Auto Insurance Coverage Is Required?

In Nevada, all drivers have to carry liability insurance. This type of auto insurance covers the other driver if you’re responsible for an accident. The state’s minimum coverage requirements are:

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $20,000 in property damage

Driving Without Auto Insurance in Nevada Can Have Serious Consequences

If you’ve never had to file an auto insurance claim, it can be easy to overlook the value of your coverage. When money is tight, it’s tempting to put your coverage on the chopping block. However, before you let your coverage lapse, it’s important to consider not only the fact that carrying auto insurance is your best protection against financial ruin after an accident but is also required by law.

The Penalties of Driving Without Auto Insurance

Aside from the fact that getting into an accident without auto insurance could be financially devastating, it’s also important to consider the legality of skipping coverage. In Nevada, it isn’t just a bad idea to not carry auto insurance coverage, but it’s actually illegal and is considered a misdemeanor.

Nevada has three tiers of offenses for driving without auto insurance. You could face a fine of between $250 and $1,000, depending on whether it’s your first, second or third offense, and how long you’ve gone without coverage. On top of that, your license can be suspended, or you may be required to get an SR-22 proving you have coverage from your insurance company for 3 years. Possibly even paying a license reinstatement fee that ranges between $250 and $750.

Working with Nevada Insurance Enrollment for Affordable Coverage

When it comes to deciding whether to carry auto insurance, most people would prefer to have coverage; it’s too risky to go without, even if you never actually use it. However, there’s a common misconception that auto insurance is expensive. For those who aren’t experienced in wading through technical jargon, comparing types and levels of coverage, available discounts and determining how much coverage they need, auto insurance can be expensive.

This is where auto insurance agents step in. Your agent knows how to evaluate your insurance needs, spot weak points in your coverage and help you compare coverage options and discounts across multiple companies to get the best deal. If you’re currently without auto insurance, there’s no need to be embarrassed. A Nevada Insurance Enrollment auto insurance agent can help you get on track and sign up for coverage today.

Related Articles:

Auto Insurance | Underinsured / Uninsured Motorist

Automobile Liability Insurance 101: What Does It Cover?

Uninsured / Underinsured Auto Insurance: Avoiding Disaster

What does 25/50/20 (Nevada Minimum Coverage) mean with Auto Insurance?

Read More: Auto Insurance in Las Vegas, Nevada

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