SR22 filing help for Las Vegas drivers

What an SR-22 is and how it works

Simply stated, an SR-22 is an additional reporting mechanism where the insurance company communicates directly with the state of Nevada, verifying that your auto insurance policy is current. In order to obtain an SR-22, you must have an auto policy in force — whether you own a car or not.

If your auto policy is cancelled, the insurance company issues an SR26 and the state is notified immediately that your policy has been discontinued. This can suspend your license and the registration for all your vehicles, and the required SR-22 time period starts over from scratch.

How long does an SR-22 need to be maintained?

Typically, an SR-22 must be maintained for three years. However, depending on the offense, the required period may be longer:

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  First offense DUI or refusal of breathalyzer or blood test — up to five years
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  Second offense — up to ten years
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  Third offense — up to twenty years, or occasionally for the life of the driver

Types of SR-22 policies

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  Owner Operator SR-22 — the most common type. A certificate of financial responsibility is added to an existing auto policy for a vehicle you own.
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  Non-Owner SR-22 — for drivers who do not own a vehicle but are still required to have an SR-22. A non-owner auto policy provides at least the state statutory minimum liability coverage and an SR-22 is attached.
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  Motorcycle SR-22 — if the offense occurred while operating a motorcycle, a motorcycle SR-22 is typically required and cannot be substituted with an owner operator or non-owner SR-22. This is ultimately determined by the court or Nevada DMV.

Non-owner auto policies explained

A non-owner policy provides at least the state statutory minimum liability coverage for drivers without cars. It pays for damages and injuries you cause when driving a borrowed or rented vehicle, but does not pay for your injuries or damage to the car you are driving. If you do not own a vehicle but need an SR-22, this is the appropriate policy. Having an insurance agent with an in-depth understanding of SR-22s is imperative to avoid a major legal headache — choosing the right agency, able to help you find the correct product and documentation, is critical given the consequences of not getting it right.

Why you need an experienced agency

Not every insurance company will issue an SR-22. That is why it is so important to work with an experienced agency with multiple insurance partners that deal with this product. At Stellar Insurance, we have partnered with several companies that specialize in SR-22s and can compare multiple quotes to ensure you get the most competitive price. And we do not add a broker fee — you pay only what the insurance company charges.

Worrying about your SR-22 and whether it was done correctly is the last thing you need. Call Stellar Insurance of Las Vegas today.

You may need an SR-22 if you have had

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  A DUI, DWI, or refusal to submit to a breathalyzer or blood test
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  A license suspension by the Nevada DMV
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  An at-fault accident without insurance
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  Too many points on your driving record
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  A reckless driving conviction