Nevada Insurance

[cobra23]

Members beware:

I sent a check through the mail 9 days early to pay the same insurance bill I have paid yearly in Nevada for 5 years. I received my "proof of insurance" card, and the new tab for the bike in the mail a week later.

Because I came in from out of state in 2007 the tab and insurance are due at the same time.

Everything looks good.

I purchase a street legal XR 400, called to add insurance, and the company tells me I have a "lapse". They never received the check. 9 days had passed since the deadline. I gave them my credit card number to pay the sitnking 336 dollars (a second time), now I have insurance.

The Ducati has been ridden 600 miles this year. Now I have a check out there for 336 dollars (not cashed) and a credit card bill for 336 dollars. One could say I have paid double for insurance.

I go to see the local agent, he tells me the DMV is now started the clock ticking. They will wait 6 months he tells me to issue a fine that increases each month. He says turn in the plates NOW. Today the fine "Fee" is 250, by the time they alert me to the problem it will be around 1000 dollars, unless I turn in the plate.

The Ducati?.... well I sold it to a friend in Washington today.. immediately. I will not be part of this game. Apperantly the new owner will not be responsible for the fee. He lives out of state anyway.

You see the bike never left the garage this whole time. In fact I have not put the new tab on it yet. The bike has been out on the highway once this year, and that was in Oregon. WHY do you need insurance on something that just sits in a garage? I have an old truck in the same situation, thankfully as far as I know the insurance is up to date on the truck. It is never driven, is licensed, therefore must have insurance, while it sits in the sun and rots. It too is getting sold.

So the 600 miles I rode this year, if I pay the fee, the insurance (twice), and licensing, all added up cost me about $1.25 a mile. All of this on a motorcycle that in Washington State for instance does not even need insurance.

This crazy law needs some attention. My bike cost probably more than a semi truck to operate "per mile" in this state.

I like to be active and write Dean Heller, and sometimes even Harry Ried. This however is a State legislator issue. If any of you have a simular story I would like to incorporate a couple stories like this in the letter.

The bike is gone. I WILL not pay the fee, and this tactic is legal. That VIN number will never bring revenue to the State of Nevada again. Nor will the truck.

I am ready to give up riding on the street all together. I have a track bike, no taxes or fees on it "YET". Be very wise to new rules..i.e. the ORV sticker.

[dr1150]

Hello Ted,
I'm sorry to here about this, and also about selling the Duc.
Take Care
David

[GreenMachine]

That $250 lapse fee has been there for almost a decade.  That happened on my last motorcycle.  I ended up selling it for that very reason; not paying no damn fee for something that isn't my fault.  And I have a car currently sitting in my garage that my insurance company neglected to put on my combined policy.  They sent me the insurance cards, but failed to include it in the combined policy.  So there it sits. 

On the one hand I see the issue.  DMV wants to penalize people an equal or greater amount to what they would have paid in insurance without the lapse.  And it should prevent some uninsured motorists, who are trying to beat the system, from getting their vehicles on the road.  On the other hand, honest mistakes and human errors become unnecessarily burdensome.  That's life I guess.

[wills]

The way around this is to give the bike to someone in your family that is not on the title. They register/tag it without the penalty. I had American Modern Insurance screw up the bike's policies effective date and they would not backdate even thought they were at fault. A complaint to the Insurance Division stopped the fine and made them correctly date the policy. What started it was my switching insurance companies, that's all! Screw the NDMV, they get as little as possible from me! Right GM?

[cobra23]

I just heard about the re-tilting to your spouse thing, a friend of mine did this and it worked. I don't know if my wifes name is on the title or not, I will check into it.

Today I wrote to my State Legislator, he actually responded, but thought i was trying to get out of paying the fine. I had to send a second message explaining the fine is a null issue as I have sold the bike.

Tom Grady the Legislator for my district (Fernley), is a personal friend of my insurance agent, I am hoping to get together with the two of them. This law is ridiculous. You are all aware of the 250 dollar fee, but did you know as of July 2011 it increases about monthly, and given enough time it turns into an SR 22 issue with a 1000 dollar fine.

DMV has yet to notify me, and won't because I turned the plates in. This is one month later, I would still think I had insurance, if I had not quoted the XR (thats when I found out). I think at 30 days it goes up. The bike NEVER LEFT THE GARAGE.

The point is they should not be allowed to fine you when they have not notified you of an issue, and this is what I want to discuss with the State rep (Tom Grady). DMV knows before you do, they issue a fee...then wait.

If I can get Tom Grady to have breakfast with me, are there any of you with simular stories that would join in?

[cobra23]

Penalties

Senate Bill 323, passed during the 2011 Legislative Session, replaces the former $250 reinstatement fee for an insurance lapse with a tiered system of fees and fines. Below is a matrix of the new penalties. They are based on the length of the lapse of coverage and the number of previous lapses. This went into effect July 1, 2011.



Length of Lapse:

1-30 Days

31-90 Days

91-180 Days

181 Days or More



1st Offense



Reinstatement Fee

$250

$250

$250

$250



Fine



$250

$500

$1,000



SR-22 Insurance





Yes

Yes



Totals

$250

$500

$750

$1,250



2nd Offense



Reinstatement Fee

$500

$500

$500

$500



Fine



$500

$500

$1,000



SR-22 Insurance





Yes

Yes



Totals

$500

$1,000

$1,000

$1,500



3rd Offense



Reinstatement Fee

$750

$750

$750

$750



Fine



$500

$750

$1,000



SR-22 Insurance





Yes

Yes



Driver License Suspension

Min. 30 days

Min. 30 days

Min. 30 days

Min. 30 days



Totals

$750

$1,250

$1,500

$1,750


Notes
•"SR-22 Insurance" is a Certificate of Financial Responsibility that your insurance company will file with the DMV. The company will notify us immediately if you drop the coverage. Penalties for failure to maintain insurance under the SR-22 requirement include a driver license suspension.
•The fees to reinstate a suspended driver license include a $75 reinstatement fee, the cost of the license and any applicable testing fees. See Driver License Suspensions and Revocations.
•The penalties listed here are in addition to any penalties imposed by a court following a law enforcement citation.
•Nevada law enforcement officers are required to remove the license plates from any vehicle on which the registration has been suspended. They may also impound the vehicle.
•Kiosk transactions carry an additional $1 processing fee for a reinstatement and


http://www.dmvnv.com/insurance.htm#reinstate


Check it out for yourselves....

[cobra23]

If I understand this correctly, should I have another lapse in the future, I will automatically owe 500 dollars.

[wills]

This is a result of voting for the Socialist Liberals who think you exist to support them. I just returned from the DMV, registered an out of state car I bought. OMG!!! the Fkng title and sales agreement didn't match my name precisely! The supervisor acts as if she's doing me a favor by writing the correct info on the Texas title! $1,100 later the car is registered...does this bureaucrat thank me for the business??? Yeah Right! I am expected to help my customers in the private sector, but these Gvm't folks think it's a privilege!

[cobra23]

At the expense of turning this political.

You are absolutely correct.

[Team Gorgonzola]

I am afraid most state and county and city workers (that I know) vote Republican, which I find really weird.....

[wills]

I am afraid most state and county and city workers (that I know) vote Republican, which I find really weird.....

That could be true, unfortunately they are a small group. And both parties are guilty at times of "overprotecting us"

Here is another example of the results:
http://www.weforum.org/reports

The World Economic Forum Global Competitive Report shows the US in 2008 being the best location. 4 years later we are declining, now at #7.

You are a small business owner; I am sure your experiences are similar.

[cobra23]

Ok back to the insurance thing.

I have not heard back from tom Grady after my second message. The insurance agent I have keeps telling me it is not worth the effort.. it's been tried before... etc. etc.

[Bigcat]

Wills, were you aware that not a single Republican in either the assembly or the senate voted against this bill and that our Republican governor signed it with no vetoes. It took me a whole 2 minutes of research to discover this. Just sayin lol.

[GreenMachine]

Wills, were you aware that not a single Republican in either the assembly or the senate voted against this bill and that our Republican governor signed it with no vetoes. It took me a whole 2 minutes of research to discover this. Just sayin lol.

BC, don't go confusing people with all your elitist research and facts.   

[wills]

Wills, were you aware that not a single Republican in either the assembly or the senate voted against this bill and that our Republican governor signed it with no vetoes. It took me a whole 2 minutes of research to discover this. Just sayin lol.

BC, don't go confusing people with all your elitist research and facts.   

Were you aware that I said "Socialist Liberal, not Democrat, nor Republican" Both parties are responsible.