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Auto Insurance Policy in Nevada

An operator’s policy is different from standard liability insurance. This auto insurance coverage insures the driver, not the car. That is, the driver would be insured no matter what vehicle was driven. This auto insurance coverage does not cover another person driving your car with or without your consent. According to Nevada Revised Statute 485.186, another important requirement of an operator’s policy is that the number of motor vehicles that the policyholder owns must be greater than the number of persons in his household who possess a driver’s license. Therefore, each person in his household who possesses a driver’s license is covered by the operator’s policy of liability insurance. This type of auto insurance is intended primarily to serve the needs of automobile collectors.

You should be aware that an auto insurance in Nevada policy is a legal contract. It is written so that your rights and responsibilities, as well as those of the auto insurance company, are clearly stated.

When you purchase auto insurance, you will receive a policy. You should read that policy and try to understand its contents. If you have questions about your auto insurance policy, contact your auto insurance agent for clarification. If you still have questions, call the Nevada Division of Insurance.

Mid-Term Cancellation of Your Policy

Nevada laws restrict the mid-term cancellation of your policy. If the company cancels your policy, the premium will be prorated without any penalty to you, but the reason for cancellation must be in compliance with Nevada Revised Statute 687B.320. However, if you cancel the policy, there is normally a “short rate†penalty that usually amounts to about 10% of the return premium. If the policy is canceled early in the term, the penalty is greater than if it is canceled late in the term. Policies regarding early cancellations and refunds vary from auto insurance company to auto insurance company.

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Can you get car insurance for a vehicle you build from the ground up?

I am considering building a car from the ground up as a project. I have noticed that there are similar cars that are collectors, but none with the creature comforts todays cars have, so I was interested in attempting to meld the old and the new. Is it possible to get auto insurance so that you can drive such a car on the road?
I plan on a custom frame based on 1930s era vehicles, but designed with modern technologies in mind. I realize that there will be alot of fabrication work to put this together. I, of course, do intend to have a more modern car before I start this project so that I have a way to get around.

Are you starting out with a frame from a previous car or a full custom frame?

With a previously registered frame, you can register it as whatever kind of vehicle the frame was from, however, you might want to look at supplemental insurance to cover the custom work.

A full custom frame will require inspection before it can be registered and if the frame isn't from a registered manufacturer (came with an Manufacturers Statement of Origin) with a 17-digit VIN, the state will issue you a VIN so you can register the vehicle.

As for insurance, you're gonna have to call around. I went through this with a custom chopper I built. Only place I could find anything besides liability insurance was Foremost Insurance.

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