Nevada Non Owner SR22 Insurance

Nevada Non Owner SR22 Insurance

If you have been arrested for a DUI in Nevada, you may be required to file an SR22 (Proof of Financial Responsibility) form in order to get your driver’s license reinstated. Your insurance company will file this form with the DMV once you’ve paid for an SR22 insurance policy.

If you do not own a vehicle, you will need to purchase non-owner SR22 insurance. Your insurance company will then file a “non-owner SR22 form.” A non-owner SR22 insurance certificate proves that you will be able to pay for damages done to other vehicles and their drivers if you are ever involved in an accident. A non-owner SR22 insurance policy does not protect you or the vehicle you are driving.

If you have an ignition interlock requirement, you will not be able to file a non-owner’s SR22 insurance form. A non-owner SR22 is only for people who do not have a vehicle or regular access to a vehicle. You would need regular access to a vehicle in order to install an IID in it.

Nevada requires SR22 insurance for 3 continuous years from the date that you get your license reinstated. You only have to file the actual SR22 form once. However, if you fail to maintain your liability insurance, your insurance company is required to notify the DMV. If this happens, the DMV will notify you of a possible re-suspension of your driver’s license. If you do not fix the situation immediately, your driver’s license will be suspended and your 3-year SR22 requirement will begin over again.

If you are under a non-owner SR22, and during your SR22 requirement you become the owner of a vehicle, you must change your SR22 coverage immediately. Be sure to file the new SR22 form before the old one is canceled.

Nevada non owner SR22 insurance is a liability only insurance coverage and will not cover:

  • Household vehicles
  • Vehicles driven frequently
  • Commercial vehicles
  • Rental vehicles

How Long Will I Need To Maintain Nevada Non Owner SR22 Insurance? Drivers who are required to carry Nevada SR22 insurance must typically keep it in effect, uninterrupted, for a period of three years.

What Offenses Result in an SR22 Non Owner Insurance Requirement? There are various reasons a driver may be classified as a high risk driver and to be required to maintain SR22 insurance for a set amount of time. Some examples are:

  • Child support or neglect cases
  • Uninsured auto accidents
  • Refusal to consent to a DUI or DWI test
  • DUI or DWI offenses
  • Too many points on a driver’s DMV record