InSure

The cost of being in even a minor car accident can be significant in some cases, and drivers in Nebraska are legally obligated to pay for any expenses they create while driving throughout this state.

Nebraska’s car insurance law is similar to the law in many other states, and its purpose is to help drivers to pay for the expenses associated with an accident or another expensive event on the road.

When you understand more about what Nebraska’s car insurance law states, you can determine the steps you need to take to comply with this law and to protect yourself from accident-related expenses. Make sure to compare rates with our free quote tool above! 

How to Read Car Insurance Requirements

When buying new car insurance in Nebraska, it is easy to become confused about the many coverage options available and to decide how much of each type of auto coverage you want to buy. Learning more about the various auto insurance types available in this state can help you to be a more educated consumer and driver.

• Bodily Injury Liability – Nebraska state law requires drivers to buy bodily injury liability insurance, which pays for the medical expenses associated with other people’s injuries if you caused the accident.
• Personal Injury Protection (PIP) / Medical Payments – Medical payments coverage, or PIP, is an optional type of auto insurance in Nebraska. This auto insurance type pays for your medical costs if you are in an injury accident.
• Property Damage Liability – This is a legally-required auto coverage in Nebraska. Property damage liability insurance pays for the repair or replacement costs for another person’s car or another property type if you cause the accident.
• Collision – Collision insurance is not a legal requirement, but some car lenders require drivers to buy it. It pays for costs associated with the repair or replacement of your own vehicle only in the event of a collision.
• Comprehensive – Comprehensive insurance is also not a legal requirement, but it is often required by car lenders if you have a loan on your vehicle. This type of auto insurance pays for repairs or a vehicle replacement for your own car for a wider range of causes, including a collision with an animal, a weather event, theft, fire, and more.
• Uninsured and Underinsured Motorist Coverage – Nebraska drivers can also purchase this optional car coverage type. Its purpose is to pay for your own vehicle repair expenses and medical costs if an uninsured driver causes damage or if you are involved in a hit-and-run or flee-type accident.

Now that you know more about the more the common types of optional and required auto insurance available in Nebraska, you need to understand how to set up the effective coverage that you need.

After you have decided which coverage types you are interested in buying, you will need to determine the limits you desire for each coverage type. The state has established minimum limits for the required liability coverage, but you can choose to increase your coverage limits as desired.

Minimum Coverage for Nebraska

If you are shopping for Nebraska car insurance today, you need to understand the minimum amount of auto insurance that is required for all drivers per state law. The minimum liability insurance requirements include:

• $25,000 per person for bodily injury liability coverage
• $50,000 per incident for bodily injury liability coverage
• $25,000 per incident for property damage liability

Remember that you can choose to increase these limits as desired to avoid having to pay money out-of-pocket for a serious accident.

After all, you are responsible for paying for all expenses you create while driving in Nebraska, and there are limitations regarding the number of benefits available to you through your car insurance policy.

In addition, you may also choose to buy other types of auto insurance beyond the required Nebraska liability coverage.

These minimum liability car insurance requirements for Nebraska drivers are in place for most private or personal drivers.

However, if you are driving a commercial-use vehicle, if you have a car in storage, or if other unique situations apply to you, explore additional or alternative insurance requirements that you may apply to your situation.

If You Are Not Insured in Nebraska

The Nebraska auto insurance law is strictly enforced. Drivers must carry an insurance card or another form of insurance proof at all times. If you are cited for non-compliance with this proof of insurance law, you may be subject to severe penalties. These penalties may include:

• A monetary fine
• The suspension or revocation of your driver’s license
• Points added to your driving record, which could increase your insurance rates in the future

Minimum Requirement vs. Recommended Coverage

Many Nebraska drivers will benefit from reviewing their policy every six months. This is an excellent time to ensure that you have the right types and limits for your auto insurance and to search for potentially lower rates available through other car insurance companies.

As you review your current insurance types and limits, consider a worst-case scenario event.

In a worst-case scenario event, you may cause an accident that results in tens of thousands of dollars worth of expenses or more for both you and another driver.

Examine the benefits associated with a minimum coverage auto policy as well as a more robust insurance policy. You will see that your potential out-of-pocket costs are dramatically reduced when you invest in a more comprehensive or robust car insurance policy.

Getting Nebraska Car Insurance

Are you getting ready to shop around for new Nebraska auto insurance quotes? After you have decided about the specific coverage types and limits that you want to request new quotes for, make a list of the top three or four providers that you want to contact for a quote.

These providers should have excellent financial strength and a superior reputation for providing great customer service to clients.

For each provider on your list, request a new car insurance quote online to save time and effort.

Because you have asked for quotes for similar coverage from each provider, you can simply analyze the quotes to quickly identify the best possible rate available for your Nebraska auto insurance policy. Make sure to compare rates with our free quote tool below! 

Auto Insurance Laws

01.12.2017 / auto insurance laws / auto insurance requirements