Now that you know about the importance of insurance, read up on Nevada’s other laws surrounding car insurance and driving.
Nevada is an at-fault state, meaning that the person at fault in an accident pays for the other party’s injuries and property damage. The state also has a modified comparative negligence system, which says that accident victims can recover money in an accident even if they were partially negligible. However, your compensation will be reduced by your percentage of fault, so if you were found to be 15 percent at fault, your compensation would reduce by 15 percent.
Drivers Without Insurance
In Nevada, insurance companies aren’t required to offer uninsured motorist coverage, nor does the state require customers to have it. Maybe that’s partially due to the fact that only 1 in 10 drivers in Nevada lack car insurance, 20 percent less than the national average.3
However, if you have uninsured motorist coverage on multiple cars, you can multiply the limit by your number of cars and reach a new, “stacked” limit.
Nevada takes drunk driving very seriously: DUIs will stay on your record for seven years. For the first offense, you’ll face a 90-day license suspension, although you could get some driving privileges back, like commuting to work, after 45 days. DUI interlocks are mandatory for all convictions. For first and second offenses, you’ll need to install an interlock for three to six months, which turns into 12 to 36 months for the third and subsequent offenses.
Penalties are even worse if you have a blood alcohol concentration (BAC) of 0.18 percent or above. If that’s the case, even for a first offense, you’ll face 12 to 36 months with an interlock plus mandatory alcohol treatment.
Seat Belt Laws
Nevada requires people ages 6 and older in all seats to wear seat belts. However, the law is under secondary enforcement, so police officers can’t pull you over for this offense alone; it needs to be accompanied by another traffic violation.
Distracted Driving Laws
Unlike its seat belt laws, Nevada’s distracted driving laws are under primary enforcement, including a handheld ban for all drivers. You’ll face these penalties for distracted driving, which includes the ever-popular texting and driving:
- First offense: $50 fine
- Second offense within seven years of the first: $100 fine, four points on your driving record
- Subsequent offenses: $250 fine, four points on your driving record4
Teen Driver Laws
It’s no surprise that new drivers are more likely to get into accidents and have covered claims, which is why car insurance for teens costs more. In the same vein, Nevada places more restrictions on teen drivers.
- Who they can transport: Teen drivers can’t transport anyone under 18, unless they’re immediate family members, for the first six months of their licenses.
- When they can drive: Nevada imposes a statewide curfew for drivers under 18 from 10 p.m. to 5 a.m., except for driving to and from scheduled events and jobs (you’ll need evidence of the event or job with you). Depending on where you live, you might face additional curfews.
||Curfew for drivers under 18
||10 p.m. to 5 a.m. unless driving to a scheduled event or work
|Las Vegas Strip and Downtown
||9 p.m. unless accompanied by an adult
|Other areas in Vegas
||10 p.m. Sunday through Thursday 12 a.m. Friday and Saturday
|Reno Downtown Gaming District
||9 p.m. unless accompanied by an adult
|Other areas in Reno
||12 a.m. on weekdays
- Driving under the influence: The maximum BAC drivers under 21 can legally drive with is 0.02 percent. If the driver has any detectable amount of a prohibited or controlled substance, they can be arrested.5
Claims Statute of Limitations
In Nevada, you have three years from the date of the accident to file property damage claims and two years for personal injury claims. Beyond these statutes of limitations, you might not get your losses covered.
Notification Laws for Cancellation and Non-Renewal
If a company wants to cancel your insurance policy midterm, it has 30 days to alert you before the expiration date, or 10 if the cancellation is due to nonpayment. If a company doesn’t want to renew your policy at the end of its term, it has 30 days to alert you so you can find a new policy and avoid a gap in coverage.
Nevada allows its residents to self-insure their cars — if they have over 10 cars and the required collateral, that is. You can pay either 130 percent of your average annual claims in the previous three years or an amount based on the number of vehicles you’re insuring.
|Number of cars
||Minimum required collateral
|751 or more
If you buy a car from a dealer, whether that dealer is in Nevada or in another state, you’ll need to pass an emissions test. Emissions tests are also necessary for private-party sales, family sales, new residents to the state, and cars received as gifts. Basically, if you have a gas or diesel truck or car from 1968 or later, in most areas of Las Vegas and Reno, you’ll need an emissions test. These are some possible exceptions:
- New vehicles until their fourth registrations
- Hybrid vehicles for the first five model years
- Diesel vehicles with a gross vehicle weight rating (GVWR) over 14,000 pounds
You’ll need to get an emissions test every 90 days for cars you bought out of state, or 180 days for cars from Nevada dealerships. You can find a testing site here: https://dmvapp.nv.gov/DMV/OBL/Business_Reports/Pages/BusinessLicenses.aspx?LT=EPES.
Make sure to have your vehicle identification number (VIN) handy when you go to your local DMV (contact information below).
Say you were caught driving without insurance, and you haven’t purchased minimum coverage within one day for a first offense. You would then need to carry an SR-22, a form that proves minimum insurance, for three years. For the second offense, if you were found driving without insurance for more than 90 days, a three-year SR-22 would also apply.
Nevada doesn’t have overarching rules about defensive driving courses, their lengths, or the number of points they remove from your driving record. Defensive driving courses are handled at the city level, so check your city’s website to find one.
Civil Suit Thresholds
There’s no monetary or serious injury threshold you need to reach to file a civil suit against someone you got into a car accident with in Nevada. That means you can sue for both economic (medical expenses, lost wages, etc.) and noneconomic damages (pain, suffering, anxiety, etc.), no matter the amount you lost or how severe your injuries were.
Accident Reporting Requirements
If you get into a car crash in Nevada, you’ll need to report it immediately or face a one-year maximum suspension of driving privileges, according to the state’s legislation.
Pricing Discriminations: Are They Legal?
Nevada doesn’t have laws preventing car insurance providers from determining prices based on credit scores or gender. That’s bad news for people with poor credit and men, who pay more for insurance than people with good credit and women if all else is equal.
Let’s say someone hits your car. You bring it to the repair shop, where the mechanic tells you that the car’s repairs will cost 70 percent of its actual market value (AMV). In Nevada, your car would be considered a total loss, so if you had collision coverage, you’d be reimbursed for your car’s AMV, as the total loss threshold is 65 percent. In other words, if repairs cost at least 65 percent more than your car’s AMV, it’s a total loss.