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How long am I required to carry SR-22 Insurance in Nevada?

The state of Nevada requires driver’s that are convicted of a DUI to maintain SR-22 insurance for 3 continuous years in order to have their license reinstated.  It doesn’t matter when you decide that you would like your license back, you still have to purchase SR22 insurance. You are not able to just ” wait it out” for 3 years and then you get your license back. The clock starts ticking when the SR22 is purchased and you cannot have a lapse or the process starts over.   There is no way to get out of paying for SR 22 insurance if you want your license reinstated.  It is not a good idea to go 3 years without your license and without auto insurance anyways. The longer you wait to purchase your SR-22 insurance the higher the rates will be when you do decide to buy it.

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Penalties for Driving Drunk in Nevada

Nevada DUI Penalties

  • A first-time offender faces up to six months in jail or up to 96 hours of community service while dressed in distinctive garb that identifies the offender as a violator of Nevada’s DUI laws. A first-time offender is also subject to a fine ranging from $400 to $1,000. These offenders must also pay for and attend an education course on alcohol abuse. The driver’s license revocation period is 90 days. First-time offenders with a BAC of .18 or greater will be placed in an alcohol treatment facility for up to one year.
  • A person who commits a second DUI within seven years of the first conviction faces up to six months in jail or six months in residential confinement, which is the equivalent of house arrest. These offenders are also subject to pay a fine between $750 and $1,000 or perform an equivalent numbers of hours of community service while dressed in distinctive garb that identifies the offender as having violated Nevada’s DUI laws. Second-time offenders will also be placed in an alcohol treatment facility for up to one year. The driver’s license revocation period is one year.
  • A person who commits a third DUI within a seven-year period faces one to six years in prison and must pay a fine of $2,000 to $5,000. The driver’s license revocation period is three years.

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Civil Penalty

Those convicted of DUI in Nevada are required to pay a $35 civil penalty to the state.

When is a Driver Considered to be Legally Drunk in Nevada?

  • Non-commercial drivers age 21+ are considered legally drunk when their blood alcohol level is .08 or more.
  • Drivers of commercial vehicles are legally drunk when their blood alcohol concentration is .04 percent or greater.
  • Drivers under 21 are legally drunk when their blood alcohol level is .02 or more.

Ignition Interlock

A judge may order a person convicted of DUI for the first or second time to use an ignition interlock device for three to six months after driving privileges are restored if the offender’s BAC was less than .18. Use of an ignition interlock device, however, is mandatory for a period of 12 to 36 months after restoration of driving privileges in the following three situations: (1) where the offender has a BAC of .18 or greater; (2) where the offense is the third DUI violation in seven years; and (3) where the offender has a BAC of .08 or greater and causes death or serious bodily injury to another person.

Commercial Drivers

In addition to other penalties that may apply under Nevada’s DUI laws, a commercial driver who is convicted of DUI while operating any vehicle will be disqualified from driving a commercial vehicle for one year. If, however, the offender was driving a commercial vehicle and transporting hazardous materials at the time, the disqualification period is three years. If a commercial driver commits a second DUI while driving any vehicle, the offender will be disqualified from driving a commercial vehicle for life, which may or may not be reduced to a period of 10 years.

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Drivers Under 21

If a person under 21 commits a DUI with a BAC of .02 but less than .08, that person will receive a mandatory driver’s license suspension of 90 days. Underage DUI offenders are also required to undergo an evaluation to determine whether the offender is an abuser of alcohol. The offender can be charged up to $100 for the evaluation. Nevada law also permits drivers under 21 to be prosecuted and punished for DUI under the laws applicable to drivers 21 and older.

Dram Shop Liability

Nevada does not have a dram shop statute.

Criminal Penalties for Selling or Furnishing Alcohol to a Person Under 21

In Nevada, it is a crime to sell or furnish alcohol to a person under 21. Those who violate this law are subject to a jail term of up to six months and payment of a fine of up to $1,000. In lieu of all or part of this punishment, a judge may order the offender to perform community service work for up to 200 hours.

Texas SR-22 Insurance – Questions and Answers

Why would I need Texas SR22 insurance?

There are certain occurrences which may force you to obtain Texas SR-22 insurance.

  • You may fail to supply proof of standard liability insurance when it is requested (by a police officer, for instance).
  • You may incur four qualifying moving violations over a 12-month period (or seven within a 24-month period).
  • You may become involved in an auto accident in which you are uninsured.
  • You may be convicted of driving while intoxicated.

All of these scenarios have one thing in common: they generally result in the suspension of your driver’s license for a certain period of time. After that time has expired, you can apply to have your license reinstated — but as part of the process, you will have to acquire SR22 insurance. Also, you must continue buying SR22 insurance for two years after your license has been reinstated.

How is Texas SR22 insurance different from standard auto insurance?

Texas SR22 insurance is similar to standard auto insurance in many ways. But the main difference is that unlike regular auto insurance, the company that provides you with SR22 insurance is mandated by law to notify the Texas Department of Public Safety if your policy expires. In other words, with SR22 insurance, the state will be made aware of the fact that you are an uninsured driver.

In addition, the state requires a special certificate by an insurance company when you are applying for reinstatement of your driver’s license. This means that you cannot simply present an insurance card or binder as proof of financial responsibility in the event of an accident. An insurer must send you a different notification which must be given to the Texas DPS in order to lift a driver’s license suspension.

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How much Texas SR-22 coverage will I need?

The minimum amount of coverage you must obtain with SR22 insurance is the same as it is for drivers with standard auto insurance policies. In Texas, this works out to $30,000 for each person who is injured in an accident which is your fault, with a maximum of $60,000 per incident. Of course, you may buy more coverage with SR22 insurance if you want to do so.

Is Texas SR22 insurance more expensive than standard auto insurance?

The fact that you are obtaining SR22 insurance in the first place (because you have done something to necessitate the suspension of your driver’s license) means that you will be placed in a higher risk category — and will therefore have to pay more than you otherwise would to remain insured.

How can I get Texas SR22 insurance?

Not all auto insurance companies offer SR22 insurance. Those who do can notify the Texas DPS that you have obtained the necessary policy in order to get your driver’s license back. If you’d rather do that yourself, you can ask for the appropriate form from your insurer and mail it to the Texas DPS’s Safety Responsibility Division, P.O. Box 15999, Austin, TX, 78761. (There are also four offices across the state where you can file the SR22 form in person — one each in Houston, Austin, the Dallas area, and near San Antonio.)

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When do I have to renew my Texas SR22 insurance policy?

Finally, if you buy SR22 insurance, you will have a smaller margin of error when it comes time to renew your policy. With standard insurance, you can renew your policy right up until the day it expires (or even after that, if you do not drive in the interim). However, companies that provide SR22 insurance are obligated to inform the Texas DPS if the policy is not renewed within 15 days of its expiration date. A non-renewal can result in a suspension of the policyholder’s driver’s license.

It can sometimes be a hassle to acquire Texas SR22 insurance. But if you know all the requirements, you can obtain the proper coverage, get your driver’s license back, and become a lawfully insured driver once again.