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  1. #1
    Join Date
    Apr 2015
    Posts
    2

    Default Registering a Vehicle With Insurance Held in Somebody Else's Name

    My question involves vehicle registration or title in the state of: Nevada

    The other day I went to register my first car and ran into a bit of hassle with the DMV. The sales contract on the vehicle had only my name on it, but we put the car on my parents' insurance policy because it would be cheaper than getting my own insurance and we planned on sharing the vehicle anyway. The insurance ID card had me listed as an additional driver, but apparently that wasn't good enough for the DMV - I had to be listed at the top of the ID card as one of the "primary" policyholders. When asked for the legal code stating this requirement, they initially gave us the application form stating "I shall continuously provide in my name security as required by NRS 485.185." When pressed for the actual legal code, they printed out a copy of the referenced statute (which I had already looked at on my phone while waiting), NRS 485.185, but didn't explain it:

    NRS 485.185  Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of coverage.  Every owner of a motor vehicle which is registered or required to be registered in this State shall continuously provide, while the motor vehicle is present or registered in this State, insurance provided by an insurance company licensed by the Division of Insurance of the Department of Business and Industry and approved to do business in this State:
    1.  In the amount of $15,000 for bodily injury to or death of one person in any one accident;
    2.  Subject to the limit for one person, in the amount of $30,000 for bodily injury to or death of two or more persons in any one accident; and
    3.  In the amount of $10,000 for injury to or destruction of property of others in any one accident,
    for the payment of tort liabilities arising from the maintenance or use of the motor vehicle.
    (Added to NRS by 1979, 1820; A 1981, 1862; 1987, 1090; 1993, 2484; 1995, 2734; 2007, 2049)
    As far as I can tell, the statute doesn't specifically require insurance to be in the same name as the registration, as long as the vehicle is insured, and our insurance company seems to agree with us (we eventually got through to one of their insurance verification specialists who temporarily changed the names around so I was a "primary," faxed the proof of insurance to the DMV, and then changed the names back once the DMV was satisfied). However, I suppose it might depend on the interpretation of "Every owner ... shall continuously provide..." Is simply having proof that the vehicle is insured enough to satisfy the requirement in the statute, or does the application form's wording support a different interpretation? If that's the case, where is it spelled out what exactly constitutes "in my name"? From what I gathered from my dad's conversation with our insurance provider, all the drivers listed on the policy are covered exactly the same, and the only reason why mom and dad are listed at the top of the ID card while I'm listed at the bottom as an additional is that they're the "policy originators," who bought and paid for the policy.

  2. #2
    Join Date
    Mar 2013
    Posts
    18,340

    Default Re: Registration with Insurance in a Different Name

    Quote Quoting Kopachris
    View Post
    As far as I can tell, the statute doesn't specifically require insurance to be in the same name as the registration, as long as the vehicle is insured,
    You're right.

    But you aren't going to convince the bureaucrats at the DMV.

    That's because statutes typically allow a bureaucratic agency to interpret statutes and set policy as the agency (or the state) sees fit.

    You aren't going to win this.

  3. #3
    Join Date
    Apr 2015
    Posts
    2

    Default Re: Registration with Insurance in a Different Name

    Thanks for the answer. As I said, we already satisfied the DMV by having our insurer temporarily move the names around on our proof of insurance and I have the plates (for my first car! Very exciting). I was just curious about the interpretation of this statute.

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