Question 1

How much is insurance after a DUI?

Accepted Answer

Insurance providers in Nevada increase auto insurance premiums by as much as 50% or more following a DUI. This is because DUI defendants are considered high risk for car insurance companies to cover. It does not matter if it was only their first-time DUI, if their blood alcohol content (BAC) was relatively low, and if they caused no property damage.

Question 2

Does Nevada require an SR22?

Accepted Answer

Nevada law mandates that drivers obtain SR22 insurance from an auto insurance company as a condition of reinstating their driver's license following a DUI. (A temporary driver's license suspension/revocation is a standard DUI penalty.) An SR 22 is simply a document showing proof of financial responsibility. It shows the Department of Motor Vehicles (DMV) that the driver has at least minimum coverage, which is: $25,000 - bodily injury or death of one person; $50,000 - bodily injury or death of more than one person; $20,000 - injury or damage to the property of others.

Question 3

How long do you have to carry SR22 insurance in Nevada?

Accepted Answer

Nevada law requires that drivers maintain SR22 insurance for three (3) years as a condition of reinstating their license following a DUI.

Question 4

What happens to my SR22 if my insurance lapses?

Accepted Answer

If Nevada drivers let their auto insurance policies lapse before the three-year SR22 period ends, then they lose all credit for the time they maintained the SR22 insurance. In short, the SR22 clock resets to zero. So once they obtain liability coverage again, they will need to maintain SR22 for three years going forward.

Question 5

How long does a DUI affect your insurance in Nevada?

Accepted Answer

It depends on the car insurer. Some insurers consider only the prior three years of a person's driving record when determining premiums. Others go back as far as 10 years.

Question 6

Will my insurance drop me after a DUI?

Accepted Answer

Following a drunk driving incident, Nevada law prohibits carriers from suddenly increasing premiums or dropping insurance coverage during the existing policy period. But once the policy period ends, the insurer can elect to cease coverage - even if the DUI charge is still pending. But most insurers opt to increase auto insurance rates instead.

Question 7

Do I need an SR22 if I do not have a car?

Accepted Answer

Yes. Nevada DUI defendants without cars need a non-owner SR22 policy in order to reinstate their driving privileges.

Obtenga ayuda legal rápida ...

Formulario de contacto