Nevada DMV LIVE System

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Nevada DMV LIVE System

Nevada, like many other states, requires that insurance companies electronically report auto insurance information to the DMV. This is system is known as LIVE (Liability Insurance Validated Electronically) and the DMV uses this system to reduce the number of uninsured vehicles on Nevada roads. It is generally working very well, but nothing electronic is without the occasional hiccup. If you have auto insurance in Nevada you may, at some point, receive a postcard from DMV that states your insurance cannot be verified. If and when this happens, please call us immediately so we can resolve the problem for you.

The Nevada DMV LIVE system matches your auto insurance coverage to a particular vehicle by VIN and named insured. If those two things do not match precisely, the verification is rejected and a postcard is mailed out to the registered owner. Generally, the fix is simple: correct the VIN discrepancy and/or amend the name on the policy to match the registration. However, as your insurance agent, we often do not know a problem exists until you receive the DMV postcard and call us. The postcard is simply the DMV’s initial notice to you that a problem exists. If the postcard is ignored the DMV will send out a letter that threatens to suspend the registration for lack of auto insurance.

The goal of the Nevada DMV Live system to reduce the number of uninsured drivers and is a worthwhile endeavor, despite occasional headaches. To help with enforcement the DMV is authorized to assess penalties to vehicle owners that drive without insurance. If you have actually had a lapse in auto insurance coverage the DMV will assess a fine that can range from $250 up to $1750. Repeat offenders will also have their driver license suspended for 30 days, in addition to paying a fine. Driving without auto insurance is simply not worth the risk of potential fines, not to mention the lawsuits that will occur if you are involved in an at-fault accident.