Keeping Auto Insurance When Your License Is Suspended
In Nevada, if you accrue a certain number of demerit points within a 12-month period, your license is automatically suspended for six months. If this happens, you may wonder what happens with your auto insurance policy.
Do You Still Need Auto Insurance?
In nearly every state, including Nevada, registered vehicles must have state minimum liability coverage, even if they are parked indefinitely. Additionally, if you lease your vehicle or are paying on a car loan, your lender or lessor may require that you carry comprehensive and collision coverage. Therefore, even if you are not currently able to drive your vehicle, you cannot cancel your auto insurance policy.
Maintaining Your Auto Insurance Coverage
The good news is that for most drivers, auto insurance policies do not get canceled in the middle of the policy term due to a suspended license. Even if you have temporarily lost your license, your car is still covered by your auto insurance policy. While this may not seem like a big deal if you are the only one who drives your car, this protection is important if there are others who drive the vehicle.
It is important to note that some auto insurance policies contain exclusionary clauses for driver suspensions. Most commonly, these clauses state that if a member of your household has had their licenses suspended or revoked and you fail to report it to the auto insurance company within 60 days, that driver will be dropped from the policy.
Although your auto insurance policy may not get canceled if you are in the middle of your policy term, your auto insurance company may decide not to renew your policy, meaning that you will need to find another auto insurance company.
How Can I See If My License Is Suspended?
In Nevada, the Department of Motor Vehicles sends a certified letter before your license is suspended that tells you about the suspension and your rights. Additionally, you can request a copy of your driving record from the DMV. This record contains information such as the status of your license and how many demerit points you have incurred.
How Long Does A Suspended License Last?
The length of a suspension depends on state laws and the type of driving offense. In Nevada, a driver who accumulates 12 demerit points automatically has their license suspended for six months.
Can I Still Use My Suspended License as an ID?
Even if your license is suspended, you can still use it as a valid ID, assuming that it is not expired. If your license is taken, you can visit your local DMV and request an ID card.
Finding Affordable Auto Insurance with Nevada Insurance Enrollment
There are some situations in which maintaining auto insurance coverage with a suspended license may be a challenge. At Nevada Insurance Enrollment, our auto insurance agents can help you understand your policy and options when it comes to keeping your coverage.
Recent Posts
Updating an Auto Insurance Policy: When and How
You don’t have to wait until renewal time to make adjustments to your auto policy. Updates can be made as circumstances in our lives change to ensure you have the proper coverage for your needs and budget.
How Collisions With Animals Affects Your Auto Insurance
Knowing how to react when they appear can greatly reduce your chances of being involved in an accident. While hitting an animal can be against your natural instincts, swerving to avoid it could cause a worse crash that ends up in major fatalities.
Coronavirus and Your Health Insurance
Nevada Health Link has responded to Governor Sisolak’s Emergency Declaration of March 12, 2020 due to the coronavirus, also known as COVID-19. It announced an Exceptional Circumstance Special Enrollment Period. This allows Nevada residents who missed the “Open Enrollment” period to enroll in a qualified health insurance plan through the state-based exchange platform.