Auto Coverage in Nevada
Nevada Auto Insurance
Nevada drivers are required to carry auto insurance with them while driving at all times. If they are pulled over by a traffic officer or involved in an accident, Nevada drivers will need to show their proof of liability insurance coverage. In fact, officers in Nevada are required to ask drivers for their insurance coverage when pulling them over at a traffic stop.
Minimum Nevada auto insurance
Drivers in the state of Nevada need to carry liability insurance in the following amounts:
- Bodily Injury and Death: $15,000 to cover one person in any one accident, and $30,000 to cover all injuries
- Property Damages: $10,000
The laws concerning accidents in Nevada follow a legal system called a tort system, which means that – in the event of an accident – one of the drivers will be found at fault. The driver who caused the accident must pay for all the damages for medical bills and damage to property such as vehicle repairs. If you're at fault, this means you'll need enough auto insurance coverage to pay for the damages – not just for your own bills, but also for the other drivers' and their passengers' damages.
Penalties without Nevada auto insurance
Drivers who don't have the requisite amount of insurance can first be issued a citation, and then fined between $600 and $1,000. They can also have their driver's license suspended for two years, their vehicle registration suspended for two years, and they will also have to file a SR-22 certificate of proof of insurance with the state for three years from the time they reinstate their insurance policy. There will also be a fee for reinstatement for $40. Additionally, vehicles can be impounded or the license plates can be seized.