One of the auto insurance requirements in Nevada is, first and foremost, liability insurance. When buying a liability insurance policy there are a few items to keep in mind. There is state required $15,000 coverage for physical injury or death for one person in an accident, and a $30,000 requirement for the physical injury or death of two people in an accident.

The auto insurance requirements in Nevada also call for $10,000 for injury or destruction of property of others. The auto insurance requirements in Nevada (as far as liability insurance goes) are higher for Motor Carriers (a person or business that transports people or merchandise for hire).

Nevada has instated an Insurance Verification Program (IVP) to be certain that anyone who is driving a vehicle is currently covered with at least liability insurance. As per the auto insurance requirements in Nevada (and the IVP Program) the DMV will send you a letter in which you will need to verify some basic information. The DMV will also contact your insurance company which will validate your information, and then the process is complete.

However, if they find you do not have a current insurance policy, the registration for your vehicle can be suspended. At that point, you'll either need to reinstate the registration or return the license plates of your vehicle.

It is not in your best interest to go without observing the auto insurance requirements in Nevada, since having to reinstate your registration could cost you $250.00. But if you decide not to insure a car that you are not currently driving (i.e. A sports car you did not use in winter, or a car that is not functional.) you could still get fined. Although, the fine may only be for $50.00 and you will have some paperwork to do.

Some unique driving challenges in Nevada is the confusing road structure. At one time you may have to turn your attention to a combination of a traffic light, a jaywalker and 4 lanes (the drivers in those lanes) all underneath an overpass. The 24 hour access to alcohol also adds an interesting twist to the unique driving conditions in Nevada. Hopefully you now have a better understanding of the auto insurance requirements in Nevada and why they were implemented.