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What? No Auto Insurance? But It's Required in Nevada!

By Jordan Taylor

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Published: 22Dec2011
Word count: 882
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My mom was rear-ended yesterday, and when I talked to her, she told me she wasn't sure if the person who hit her had auto insurance. What? I thought Nevada Law required all drivers to carry auto insurance! It probably won't surprise you to learn there are a few insurance companies, who some might consider less reputable, who offer one month policies to Nevada drivers who either have high insurance premiums because of past accidents or points on their auto insurance policy from traffic citations. What happens when you are the driver of a motor vehicle and the individual who hit you has expired auto insurance? Basically, you're toast.

It hardly seems just that the responsible party won't end up having to pay for the accident they caused an innocent driver. It's true that you could hire an attorney, and try to secure a judgment against the negligent driver's personal property, but who are we kidding? If someone is going to purchase a policy they know will expire within a month, and do not renew that insurance policy, or have any intention to renew that insurance policy, then what are the odds there will be any personal property to collect on?

So why doesn't Nevada or the Nevada DMV make it impossible to drive without insurance? In this time of computers and with the ability technology gives institutions like the Nevada DMV to check the status of a driver's insurance, wouldn't it be fairly simple to revoke their driver's license until they renewed their insurance policy? Wouldn't it be a lesser burden on society for the police to put a boot on the car that is uninsured or underinsured, rather than risk the loss of innocent people and property that the uninsured driver may cause? I'm sure there are numerous of reasons why it wouldn't be feasible for the police to run out and boot every automobile that did not carry insurance. But what if the system looked for a pattern of this type of coverage? When the Nevada DMV runs its annual report, and it becomes obvious that a specific person has a history of buying 30 day car insurance policies during the 30 days they register their car, then that person would be the right one to penalize. Recently, I learned that our state does actually impose a fine of about $200-$250 annually, with a cap of $1,000 annually, to driver's who let their insurance to expire. But, here's the real kicker, and I believe it is fabulous! However, I doubt many of those 30 day, insurance carrying policy owners will be very excited about it? The Nevada courts, and the Nevada DMV are going to start imposing even larger fines for drivers who don't carry auto insurance. Why? Well, because it's the law! If a driver decides to hit the road without insurance policy, they are putting everyone around them at risk, and are taking no responsibility for the possibility that they will cause an automobile accident. Well, I for one think it's great. I hope it makes everyone to carry valid car insurance for their own protection, as well as other drivers they may endanger on the Nevada streets.

Jordan Taylor is a freelance writer specializing in legal special interest articles for Las Vegas Injury Lawyers and Las Vegas Traffic Ticket Lawyers.

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