Auto Insurance with a Suspended License

LAS VEGAS - Feb. 19, 2021 - PRLog -- In Nevada, if you accrue a certain number of demerit points within a 12-month period, your license is automatically suspended for six months. If this happens, you may wonder what happens with your auto insurance policy.

Do I Still Need Auto Insurance If My License Is Suspended?
In nearly every state, including Nevada, registered vehicles must have state minimum liability coverage, even if they are parked indefinitely. Additionally, if you lease your vehicle or are paying on a car loan, your lender or lessor may require that you carry comprehensive and collision coverage. Therefore, even if you are not currently able to drive your vehicle, you cannot cancel your auto insurance policy.

Maintaining Your Auto Insurance Coverage
The good news is that for most drivers, auto insurance policies do not get canceled in the middle of the policy term due to a suspended license. Even if you have temporarily lost your license, your car is still covered by your auto insurance policy. While this may not seem like a big deal if you are the only one who drives your car, this protection is important if there are others who drive the vehicle.

It is important to note that some auto insurance policies contain exclusionary clauses for driver suspensions. Most commonly, these clauses state that if a member of your household has had their licenses suspended or revoked and you fail to report it to the auto insurance company within 60 days, that driver will be dropped from the policy.

Although your auto insurance policy may not get canceled if you are in the middle of your policy term, your auto insurance company may decide not to renew your policy, meaning that you will need to find another auto insurance company.

Finding Affordable Auto Insurance with Nevada Insurance Enrollment
There are some situations in which maintaining auto insurance coverage with a suspended license may be a challenge. At Nevada Insurance Enrollment, our auto insurance agents can help you understand your policy and options when it comes to keeping your coverage.

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Nevada Insurance Enrollment 4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com