If I get a ticket in Las Vegas, Nevada for running on a red light and having no car insurance, will I have to get SR22?

Molly

Las Vegas, NV

In the State of Nevada, being convicted of disobeying a traffic signal or stop sign in Las Vegas is worth 4 demerit points on your driver’s license. Driving without car insurance does not give you demerit points but does come with grave penalties.

Las Vegas, Nevada mandates that all registered automobiles must have minimum liability insurance coverage of 15/30/10. Should the car insurance coverage lapse while registration is still current, the Nevada Department of Motor Vehicles may suspend the vehicle registration and charge a $250 reinstatement fee.

If you have your license suspended because of your recent violations, or total demerit points on your driving record, you may be required to file a SR-22 with the DMV to recover your driving privileges. When you are required to file an SR22, Proof of Financial Responsibility, the period of required coverage begins when you reinstate your driver’s license. In the State of Nevada there is no time limit or statute of limitation on SR-22 insurance requirements. If you do not keep the coverage continuously during the required period, your license will be suspended. To find out what your total penalties will be for your tickets, contact the Court or entity listed on your traffic citation.

If a friend of mine got DUI while driving my car, will this affect my car insurance?

Albert

The answer is no.

If your friend was cited for DUI (driving under the influence) while driving your car it will not affect your car insurance in any way. He will received the citation written in their name and not in the car owner. That would mean it will go in their record as a driver and it will not cause you any problems in your car insurance.

However, for instance, he gets involved in an accident using your car, the resulting claims will then go on your claims record and will affect your insurance premiums. Insurance usually follows the car first and the driver the second so that means if your friend got into an accident, it would be your insurance that would kick in first and your friends insurance would be the secondary or would cover the excess if your coverage limits were exceeded.

As the owner of the car, you have liability for those who uses your car so if the insurance limits were exceeded, then usually, in most sates, the driver and the owner of the car are responsible for all the damages that the motorist may cause while driving the vehicle.

Goodluck!

MariCAR

How can I reinstate my suspended license in California after a DUI charge?

Alice

Good question.

A simple way to reinstate your suspended license is to purchase liability coverage utilizing the state of California’s minimum requirement in filing SR-22 car insurance form in California Department of Motor Vehicle. The policy is in two types:

An owner policy is an insurance the gives liability coverage for the driver’s personal car or vehicle. This can also be issued under collision and comprehensive coverage. Other additional coverage that may be added to premiums are uninsured motorist, underinsured, medical bills, towing or other rental car bills etc.

The non-owner policy on the other hand, is also called as operator policy. It is an insurance policy that gives mandatory liability coverage on any cars that the policy holder drives but does not own it. For instance, it can be a friend’s car or a company car used for work related. This policy can be issued exclusive of the existing insurance. Your current insurance company doesn’t have to be informed of the requirement for the SR-22 coverage if in case you have other vehicles in the household with an existing insurance. Your policy may be cancelled or your premiums might increase if your insurance company discovers multiple and extreme traffic violations.

Another form to show financial responsibility would be to buy a bond in the amount specified by the state of California. The amounts ranges usually from $30,000 and $50,000. An authorized car insurance company may issue the bonds.

DMV will determines the length of time you will need to carry the SR-22 depending on the gravity of the violation. Generally its between 3-5 years. But in some cases if you carry the insurance for 3 years without any traffic violations, the SR-22 may be then terminated. Fees for reinstatement and penalties will be assessed at the higher cost to the owner.

Goodluck!

-MariCAR

What is SR-22 filing and what process is involved to reinstate my license in Florida?

Rica

That’s a good question.

The SR-22 filing provides a proof to the Department of Motor Vehicle of your driving privilege that removes you from suspension of your license. This is being issued by your insurance company which guarantees you that you are getting the least minimum liability. If you wanted to know if you can get SR-22 filing without purchasing an insurance, the answer is No. The SR-22 filing shows proof of your liability insurance coverage.

The SR-22 is needed for those whose license were revoked or is under suspension by the Florida Department of Motors vehicles. This includes drunk driving, more minor moving violations within the year, unpaid fins and other tickets, or uninsured accidents.

To reactivate your driver’s license you will need to buy the minimum liability coverage first on the vehicle that you own. On the other hand, if you do not own a vehicle, you must purchase the Non-owners coverage. The amount would depend on the degree of your driving record, your location, and your driving experience. You can get your driving record from DMV if you do not know it. Normally, the SR-22 filing period is from one to three years although this can still be extended.

Contact Florida DMV to ask them what other fees you will need to pay to reinstate your drivers license.

Goodluck!

-MariCAR