In Nevada, certain traffic violations might necessitate an SR-22 filing, a Certificate of Financial Responsibility (CFR), secured through your insurer and submitted to the DMV. Please note that the SR-22 form is not insurance coverage but a verification that your auto insurance policy meets the state’s mandatory liability insurance requirements. Insurance 4 Less LLC, our firm, assists drivers across Paradise, Henderson, and Spring Valley with their SR-22 insurance needs.
Nevada drivers may be compelled to procure an SR-22 form following convictions for:
- Uninsured driving
- Driving under license suspension
- DUI or DWI offenses
- Serious traffic violations, such as reckless driving
- Driving underinsured or uninsured
An SR-22 requires drivers to meet the minimum liability insurance requirements established by the state.
Nevada Auto Insurance Minimum Requirements
- $25,000 for bodily injury per accident
- $50,000 for bodily injury in accidents involving multiple people
- $20,000 for property damage
While the SR-22 confirms that you hold the legally required minimum insurance, it does not restrict you from obtaining additional coverage. Many optional coverages can be appended to your policy, including comprehensive, collision, roadside assistance/towing, rental car, and loan/lease gap coverages.
SR-22 filings fall into three categories: Owner-Operator SR-22, Operator SR-22, or Owner-SR-22. Operator SR-22 is for individuals needing coverage but without a vehicle. Owner SR-22 restricts coverage solely to the vehicle you own and listed on your policy. Owner-Operator SR-22 extends coverage to your listed vehicle and any vehicle not owned by you or a household member. Please note: If you are leasing or financing a vehicle, your lender will likely mandate maintaining coverage on that vehicle.
For those mandated to file an SR-22 in Nevada, you must maintain it for at least three years. Your insurance policy must remain active and cannot be canceled throughout this period. It’s common for insurance carriers to require upfront full payment. Importantly, drivers required to file an SR-22 cannot do so independently; all notifications must be directly communicated by the insurance company to the DMV, including any cancellations or lapses in coverage.
DUI Insurance
A DUI conviction in Nevada can lead to a temporary suspension of your driving license, among other penalties. To get your license reinstated, you must submit an SR-22 form to the DMV, which requires maintenance for a minimum of 3 years. This SR-22, or a Certificate of Financial Responsibility (CFR), is a certified document of your adherence to Nevada’s required liability insurance coverage. A DUI conviction may result in higher premiums or possibly difficulty in acquiring insurance. However, at Insurance 4 Less LLC, we believe in second chances and commit to assisting you during this challenging period.
Insurance Lapses
Through the Nevada LIVE system, you must maintain your liability insurance all year round. Any gaps in coverage can lead to hefty penalties, fines, and reinstatement fees. Chronic offenses may even lead to the suspension of your license. Reach out to Insurance 4 Less LLC today to address this critical issue if you’re currently uninsured or have experienced a lapse in coverage previously.
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We prioritize making SR-22 insurance affordable for drivers across Paradise, Henderson, and Spring Valley at Insurance 4 Less LLC. Should you need to file an SR-22 in Nevada, reach out to us today to explore how we can assist you.