How Las Vegas Car Insurance is Influenced by DUI and DWI Laws

nevada duiDriving in Las Vegas is a pleasure and a privilege, provided you don’t have a drinking problem and you never even think about igniting your car’s engine while being under the influence. However, not everybody respects the law and Las Vegas isn’t quite the place to avoid temptation. According to the sources,

Drunk driving is one of the leading causes of auto accidents in the United States, as well as in Nevada. It is estimated that one in three Americans will be involved in a drunk driving related accident at some time during their lives

Moreover, if you check these statistics narrowed down to the state of Nevada in the last years, you will see that drunk driving is a serious matter, affecting the lives of all people involved in the accident, starting with the driver.

But besides the moral and legal implications of drunk driving and the ways it can ruin peoples’ lives, today we will focus on how Las Vegas car insurance is influenced by DUI and DWI laws and what you should expect, as a driver involved in such situation. One of the first things you should know is that indeed a Las Vegas DUI conviction will have major affects on your car insurance, as following:

A temporary suspension of driving privileges is a standard DUI penalty in Nevada.  In order for the Nevada DMV to reinstate your license once the suspension period ends, you will be required to file an SR 22 for at least (3) years. If you have an out of state license, the DMV of your home state will most likely impose the same requirement.

In order to get your license reinstated, you will need to file a SR 22. This is not a type of insurance, as you probably know already, but a document proving you are financially responsible and have the minimum liability coverage mandatory so you can carry a driver’s license.

Another way that your Las Vegas car insurance is influenced by DUI and DWI laws is that, according to law officials,

Nevada car insurance laws prohibit carriers from suddenly increasing your premiums or dropping your coverage during your existing policy period  in case you get convicted for a DUI.

This is the good news. The bad news is that once the policy period ends, you will probably be marked with the “high risk” label and you will witness an increase in your rates or, in the worst case scenario, an  immediate drop – off from the insurance company, no matter if the DUI charges are in pending mode. Depending on your car insurance company, you can get a pardoning, but it comes with a price.

There is still hope, however. The chances are that your DUI / DWI situation will haunt you for the rest of your life, the state of Nevada will keep it in your record for 7 years. Sometimes, just a DUI charge isn’t enough for the insurance company to label you as “high – risk” and cease your policy or make you pay more. But if you just added the DUI to a history of other accidents, tickets and driving felonies, your car insurance will suffer great changes. At some point in time you will get your chance to redeem yourself, provided you keep a clean driving record from that point on.