Seriously? No Auto Insurance? But It's the Law in Nevada!

Copyright (c) 2011 Jordan Taylor

My sister was hit from behind the other day, and when I spoke to her, she informed me she wasn't sure if the at-fault driver had car insurance. What? I thought Nevada Law required all drivers to carry auto insurance! It probably won't surprise you to learn there are some insurance companies, who some might believe are less reputable, who offer 30 day policies to drivers who might have high insurance premiums because of past accidents or points on their car insurance policy from traffic tickets. So what happens when you are the driver of a motor vehicle and the individual who hit you has expired auto insurance? Basically, you are screwed.

It really doesn't seem just that the responsible person won't end up having to pay for the accident they caused an innocent victim. It is true that you could hire a personal injury attorney, and try to secure a judgment against the negligent driver's personal assets, but who are we kidding? If an individual is going to buy a policy they know will expire within a month, and don't renew that insurance policy, or have any intention to renew that policy, then what are the odds there will be any personal property to collect on?

So why doesn't Nevada Law or the Nevada DMV make it impossible to drive with no insurance? In this time of computers and with the ability technology gives institutions like the DMV to check the status of a driver's insurance, wouldn't it be fairly simple to revoke their license until they renewed their auto insurance? Wouldn't it be a lesser burden on Nevada residents for law enforcement to put a boot on the car that is uninsured or underinsured, instead of risking the loss of innocent people and property that the uninsured driver may cause? I'm sure there are plenty of reasons why it wouldn't be feasible for the police to run out and boot every vehicle 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 yearly report, and it becomes very clear that an individual has a pattern of buying 30 day auto insurance policies during the 30 days they register their automobile, then that person would be the best one to penalize. Recently, I discovered that our state does impose a fine of approximately $200-$250 annually, with a maximum fine of $1,000 per year, to Nevada driver's who let their insurance to lapse. However, here's the real kicker, and I believe it's fabulous! However, I don't think many of those one-month, insurance carrying drivers will be very excited about it? The courts, and the Nevada DMV are going to start imposing even larger fines for Nevada drivers who don't carry car insurance. Why? Well, it's the law! If a driver decides to hit the road without insurance, they are putting those around them in danger, and are taking no responsibility for the possibility that they will cause an accident. Well, I for one love it. I hope it makes everyone to carry valid insurance for their own protection, as well as other drivers they may endanger on the Nevada streets.

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