Based on the information you provided, it sounds like your “non owner” policy is ineffective because it does not cover you to drive your personal vehicle nor does it cover you when you drive any of the vehicles belonging to your parent’s company.

A non-owner policy is usually written when the insured needs coverage only for his personal operation of a vehicle not owned by him or a family member. In your case it appears as if you do own a car plus you want to drive vehicles owned by family members so it sounds like you need to try to turn your “non owner” policy into a policy that will cover you while you drive your personal vehicle.

It also seems like your parents need to register their company vehicle and add you to their company’s business insurance so that you will be properly covered to drive the parts truck and any of their other company vehicles. These insurance decisions are between you and your parents and/or any employer. I would suggest you and your parents discuss your insurance needs with their insurance agent so that you can get the proper coverage on both your personal car and company vehicle.

You are correct that at the time of registration in Nevada, you most present a Nevada Evidence of Insurance Card or sign a declaration that you will maintain Nevada insurance coverage for the entire time the vehicle is registered in Nevada. An Evidence of Insurance Card or Power of Attorney must be presented if any person other than the vehicle owner is registering the vehicle.

Nevada law requires you to have at least $15,000/$30,000/$10,000 in liability insurance. This means coverage must be at least $15,000 because of bodily injury to or death of one person in any one accident to a limit of not less than $30,000 because of bodily injury to or destruction of property, and to a limit of not less than $10,000 because of injury to or destruction of property of others in any one accident.

Our article How Much Car Insurance Should You Buy? may also be of help.