First if you have insurance on your vehicle it would be primary no matter if the other person had insurance or not. If he driver did have their own policy then their liability would be used as secondary or excess insurance for damages he or she caused.

Now if you are allowing someone to use your vehicle that is uninsured, which you should not since this is illegal, and they cause an accident, then both the driver who caused the accident and the car owner can be held liable for the damages normally.

As a car owner you have vicarious liability for those who you allow to operate it. Also if you know a car is uninsured you should not allow it on the roadways. Even if the driver had their own insurance on their own vehicle it would likely not cover an accident in your vehicle as primary insurance.

The State of Nevada requires that all registered motor vehicles be covered by liability insurance. A Nevada Evidence of Insurance card must be carried in your vehicle at all times and presented to any law enforcement officer upon request.

Nevada requires that automobile liability insurance policies carry minimum coverage of $15,000 for bodily injury or death of one person in any one accident; $30,000 for bodily injury or death or two or more persons on any one accident; and $10,000 for injury to or destruction of property of others in any one accident. Coverage must be reported by an insurance company authorized to do business in the State of Nevada.

Uninsured motorists are required to provide current proof of insurance and pay a $250 reinstatement fee to reinstate a suspended registration. The fee can be reduced to $50 if the motorist has sufficient proof that the vehicle was not operated during the period insurance coverage was not in effect but in the situation you described this would not be the case.

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 itself.

Insurance Verification suspensions are administrative actions taken by the Department of Motor Vehicles. They are not criminal charges and will not result in arrest warrants or prosecution.

From this information it appears your vehicle registration would be suspended if your vehicle was caught being operated without insurance.

If you allow someone to drive your vehicle and you do have insurance on it, make sure you read through your policy and check with your insurance agent to make certain the driver would be covered by your policy if he or she were to be in an accident.