SR-22 Requirements in Nevada

If your license was revoked or suspended in Nevada, it’s likely that you’ll have to file an SR-22 to prove that you have insurance for a certain period of time. If you want to regain your driving privileges without any snags or delays, you’ll want to learn everything there is to know about SR-22 requirements in Nevada.

You can set yourself up for success by learning the ins and outs of standard timelines, the effects on your insurance costs, and how to set up your first policy. Once you have a lay of the land, you can start looking up quotes for SR-22 coverage to find a plan that works for you and fits with local insurance requirements in Nevada.

Nevada is one of the many U.S. states that require certain high-risk drivers to file a certificate of financial responsibility, also known as an SR-22. Filing an SR-22 proves to the state that you have sufficient coverage, so you can cover any damages if you ever cause an accident. Even though all Nevada drivers are required to have auto coverage, people with SR-22 mandates will need to take the extra step of submitting proof to the government. Typically, SR-22s apply if you get convicted of a serious driving violation, such as:

• Driving under the influence (DUI)
• Reckless driving
• Driving without insurance
• Driving without a license
• Getting several driving tickets in a short timespan

Each state has its own rules around SR-22s, including the length of your filing period and how much coverage you need. The cost of SR-22 coverage can also vary by state. If you’ve had an SR-22 before in a different state, you’ll still want to freshen up on local laws and processes in Nevada.

So, the court has ordered you to file an SR-22 in order to reinstate your driving privileges. What now? Luckily, setting up a policy that meets the standards for an SR-22 is pretty simple.

The Process: How To File for SR-22

Filing an SR-22 form starts with getting the right coverage. SR-22 insurance isn’t actually a specific type of policy; it just refers to any plan that meets the minimum coverage standards in Nevada, enabling you to file your SR-22 forms. That means you’ll need a plan that includes:

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

You can choose to get additional coverage, but this is the baseline. Start by informing your insurer that you need to file an SR-22. They will help you find a compliant plan that fits in with your needs. Once you set up your new policy, your insurance company will file the SR-22 on your behalf and submit proof of coverage directly to the Department of Motor Vehicles (DMV).

Key Players: Insurance Providers and the DMV

Your insurance carrier will keep an open line of communication regarding your insurance status. Whenever you renew your policy, they’ll make sure the DMV is aware that your plan is still active. If you stop paying and your policy ends, your insurer will notify the DMV, which can then inform the courts of your lapse in coverage, resulting in delays, fines, and other penalties.

In Nevada, you’ll typically need to keep your SR-22 coverage active for three years. This involves keeping your policy active for the entire three years, along with fulfilling any other court-ordered requirements. After that, you’ll no longer need to submit proof of coverage to the DMV.

Consequences of Non-Compliance: Lapses and Penalties

Nevada requires all drivers to pay fines if they let their insurance lapse. This starts at a $250 reinstatement fee. If your policy lapses for over a month, you’ll also get a fine starting at $250 and increasing to $1,000 if it lapses for over 181 days. If you have an SR-22, however, you could face extra consequences with the courts. You’ll likely face license suspension and might experience setbacks toward regaining your driving privileges.

Getting insurance after a DUI often involves paying higher premiums. Because your insurance considers you to be a high-risk driver, companies will charge more for your coverage and increase your car insurance rates.

Saving Strategies: Lowering Your SR-22 Insurance Premiums

There are ways to keep your insurance costs low, even if you’re under SR-22 restrictions. Look out for any discount programs, such as deals for paying your entire policy up front or driving safely. It can help to shop around or look for insurers that specifically work with high-risk drivers to get the best possible rates.

Even if you don’t drive, you may still need to file an SR-22. There are special plans for people who regularly borrow someone else’s car. For example, if you drive a friend’s car to work, you’ll still need coverage. These non-owner policies are typically a bit cheaper than traditional policies.

If you plan to move to another state during your SR-22 period, it’s critical to communicate with your insurer. You’ll still need to file with your former home state to satisfy your court order. However, you may also need to submit SR-22 documentation to your new state. Your provider will be able to guide you through the process.

Is SR-22 Only Required for DUI Offenses?

In Nevada, you can be required to file an SR-22 for a number of reasons, including driving under the influence. However, that isn’t the only infraction that can result in SR-22 restrictions. Reckless driving, driving without a license, or getting into an accident without a policy in place can all lead to an SR-22 mandate from the courts.

Can I Switch My Insurance Provider While Holding an SR-22?

You can switch auto insurers while under SR-22 requirements. However, it’s critical to make sure there are no lapses in coverage. If there’s any gap in coverage between your old policy and your new plan, you could face legal consequences. You also need to inform your new insurance company that you’re an SR-22 holder to ensure they submit your new proof of coverage to the DMV.

How Long Before My Insurance Rates Normalize After SR-22?

It can take some time for your car insurance rates to go back down after getting convicted of a serious driving infraction. Typically, your rates will start to go down once you no longer have to file an SR-22, which usually takes about three years. However, some insurers will have inflated rates for up to five or ten years after the initial infraction.

Learning about SR-22 coverage in Nevada will get you on the path to success after a DUI or another infraction. By setting up your policy by the book, you can get back on the road with ease and avoid extra fines and costs.

Getting coverage through SR-22 Adviser is one of the best ways to keep your costs low while also meeting court-ordered requirements. SR-22 Adviser specializes in helping out high-risk drivers, so they’ll be able to guide you through the entire process. Get your free custom quote on the SR-22 Adviser website to take care of your Nevada SR-22 coverage today.