 |
Nebraska Auto Insurance 
In Nebraska you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, and is compulsory in Nebraska.
Nebraska minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $25,000 for damage you cause to the other party's property. Non mandatory options (plan add ons) include medical payments, blanket umbrella, collision, comprehensive coverage. In Nebraska, 8 percent of all drivers are uninsured, so also consider uninsured (UI) and underinsured motorist (UIM) coverage.
If you are convicted of DUI in Nebraska (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the Nebraska Automobile Insurance Plan. It was created in 1946 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Nebraska |
$25,000 |
$50,000 |
$25,000 |
$0 |
$0 |
Proof of insurance is required when you register the vehicle, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must also submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law. Penalties for driving without insurance in Nebraska are a $500 fine, license and registration suspension.
|
|
|
