Does Nevada allow Evidence of Insurance to be presented on a cell phone?
Yes. Evidence of Insurance may be presented on a printed card or in an electronic format to be displayed on a mobile electronic device.
Insurers are not required to provide electronic evidence. However, they must always provide a printed card upon request.
If you present your mobile device to another person to provide Evidence of Insurance:
- You assume all liability for any damage to the device
- A peace officer may view only the Evidence of Insurance and may not intentionally view any other content on the device
- The Evidence of Insurance must be provided by your insurer and contain all of the information provided on a printed card.
How does DMV know when I don't have insurance?
Insurance companies licensed to do business in Nevada are required to electronically validate Nevada liability insurance policies.
The DMV's Nevada Liability Insurance Verification Electronically (NVLIVE) program periodically asks your insurance company if the vehicle has current Nevada liability insurance coverage.
How can I make sure my insurance is on file?
You can check the status of your insurance by using the Registration and Insurance Registration Status Inquiry. You will need the license plate number and last 4 digits of the VIN.
This will also tell you whether your vehicle registration is active and its expiration date.
Why did I receive a verification letter? Was I randomly selected?
Insurance Verification Notices are never random. Notices mean we do not have a valid record of your liability insurance coverage or that there is a possible lapse in the coverage. We will send a notice when the DMV is unable to verify the coverage with a confirmed response from a Nevada-licensed insurance company.
Often, this occurs when you change insurance companies. When you change companies, either you or your insurance agent must update your insurance information. You can update your insurance online. There are no grace periods.
How do I respond to the letter?
There is no need to visit a DMV office. You may reply online or by mail.
The first option is to complete your response online using the provided access code printed on your letter. Once you have accessed your vehicle, you will have the option to select your response. If you have maintained continuous insurance, you will be able to enter your policy information.
The website will let you know if the information you entered confirmed with your insurance company. If it does confirm immediately, you will receive a follow up letter letting you know the incident has been resolved.
If the insurance does not confirm, you will receive a message letting you know your response was received and you do not need to mail the notification back. We will mail your response to your insurance company to let them know we need your insurance records for the vehicle.
The second option is to complete the notification and mail it directly to our office. It is a business reply so there is no need for postage.
I lost the DMV letter, what can I do?
There are a couple of options to verify your insurance. Contact us. Your insurance agent can also contact their Home Office to request insurance be updated.
I entered my insurance information online but it says "pending"?
This means the insurance information you entered did not confirm with your insurance company’s database immediately. It does not mean you are not insured.
If you just purchased a new policy, it may take several days for the company to confirm it. You may wish to wait and try the Insurance and Registration Status Inquiry at a later time.
Compare your insurance policy and vehicle registration.It is important the insured name on your insruance card and the Vehicle Identification Number (VIN) match the registration.If you change the name on your insurance, you must also change the name on your vehicle registration. At least one person's or business name on the registration must match a named insured on the policy.
Report any errors to your company so they may update their database. If you believe the DMV has incorrect information, please call NVLIVE The information on file can be researched to verify if you are required to come into the office.
Why did I receive a certified letter?
A certified letter is the notification of a possible suspension. This could mean we did not receive a response from the registered owner within the (15) days response time or the insurance company did not respond to our notice within their (20) day response time.
Another possibility is that the insurance company has denied your coverage. If there is an actual lapse in coverage, you will have to follow the procedures under Reinstatements & Penalties.
You may not legally drive the vehicle as of the suspension date listed in the letter.
I received a letter that says "disregard" or "rescinded".
The "disregard" letter means your insurance company has responded to the verification card sent to you by confirming your insurance information.
The "rescinded" letter means the suspension or your registration has been reversed and is no longer in effect. In most cases this means your insurance company confirmed coverage with the DMV, and nothing more is needed. You may legally drive the vehicle if the registration is otherwise valid. Use the Insurance and Registration Status Inquiry to be sure.
What is an SR22? How does this relate to an insurance reinstatement?
"SR-22 Insurance" is a Certificate of Financial Responsibility that your insurance company will file with the DMV. Any lapse of insurance that is 91 days or more, one registered owner is required to maintain an SR22 for 3 years.
The company will notify us immediately if you drop the coverage. Penalties for failure to maintain insurance under the SR-22 requirement include a suspension of your driver license and the registrations of all vehicles registered to you.
My vehicle was dormant during the lapse of insurance.
If the owner of the vehicle declares it dormant due to mechanical or seasonal circumstances during the period in question, the owner must sign a Dormant Vehicle Affidavit (NVL-003) as well as a Property Owner Affidavit (NVL-025) and present documentation to verify the status. The reinstatement requirements will then include presenting current proof of insurance, a Declaration of Responsibility (NVL019) and the payment required.
If approved, the Dormant Vehicle Affidavit (NVL-003) will reduce the reinstatement fee to $50.00. The fine for the lapse of insurance may still apply.
I will be parking my vehicle and may obtain "garage" insurance. Is this insurance acceptable?
In most cases, garage insurance is NOT liability insurance, and therefore is not acceptable or reported to the DMV. Comprehensive, collision and other coverage is not reported to DMV.
If you drop the liability insurance for any reason, you must cancel the registration and surrender the license plates. NVLIVE verification applies only to liability insurance. See License Plate Surrender.
Please check with your insurance agent to verify whether you have liability coverage.
I'm having a dispute with my insurance company/agent. What can I do?
If your insurance company has denied your coverage and you believe this to be incorrect, you can contact the Nevada Division of Insurance (775) 687-0700 (North) or (702) 486-4009 (South) to inquire about filing a complaint.