Auto Insurance In Nevada
Many people have a dream of living out west, out where the sky is blue and where the land is wide and open. Nevada, one of these western states, has plenty of roads to drive on with about 50,000 miles of paved roads available for travel. The Silver State has many exciting things to do and many people travel to this state just to visit the city of Las Vegas. While there are plentiful activities and tourist spots galore, there are also many people that live in the state of Nevada. Each and every one of these individuals is responsible for purchasing auto insurance in Nevada, but many often do not think about the minimum requirements mandated by the state. If you are interested in pursuing cheaper car insurance for yourself in Nevada, or if you think that you may possibly move there in the near future, this article may be useful for you to read. Take a few minutes to learn what the state of Nevada has authorized for insurance laws.
Providing Proof of Auto Insurance in Nevada
As with most other states in the United States, you must provide proof of auto insurance in Nevada. If a police officer were to stop you at any time during your travels, you must be able to prove that you have purchased car insurance. In Nevada, there is a program called the Insurance Verification Program (IVP). According to this program, each insurance company is required to send a monthly report to the DMV with any individuals that have started purchasing insurance from them or that have stopped paying for insurance. If you have discontinued your insurance, you will be mailed a verification form from the DMV. You must return this within twenty days or face suspension of your vehicle registration. When you are stopped and asked for vehicle identification, police will check your information with their computer records. If your insurance is found to be ‘flagged,’ you may be subject to a fine or your vehicle registration may be revoked until you fill out the proper paperwork and pay the processing fee.
Requirements for Auto Insurance in Nevada
The state of Nevada has a 15/30/10 insurance requirement. This means that you must have at least $15,000 worth of coverage for one person in an accident, with up to $30,000 worth of coverage for a group of people in an accident. The $10,000 is to cover property damage, which can include the car of the other driver, private or government property. Always make sure that you have your insurance card in your vehicle so that you can present it in case a police officer pulls you over. This is a requirement for auto insurance in Nevada. One other thing to remember is that the state of Nevada follows a tort system in regards to accidents. This means that one individual is found to be at fault for the accident and they are responsible for taking care of the costs of the accident. This can be very expensive and some people have found it prudent to purchase Uninsured or Underinsured Motorist Protection or the Personal Injury Protection to cover themselves in case the driver at fault in the other vehicle does not have the required level of insurance coverage.
Current Trends in Auto Insurance in Nevada
The current level of auto insurance in Nevada is continually fluctuating. Although it went down from 2007 to 2008, it rose again in 2009. It is still considered to be in the higher levels of auto insurance, costing about $300 more than the national average. Cell phone use is not prohibited for drivers of automobiles, but there is a law against either passenger or driver having an open alcohol container in the car. With varying speed limits throughout the country, anywhere from 15 to 65, now is a good time for you to consider purchasing auto insurance in Nevada. Take a few moments right now and enter your zip code at the top of this page to get a free quote on auto insurance in Nevada.