Nebraska drivers must have a minimum amount of car insurance, which protects your legal and financial responsibilities if you cause an accident. Whether you live in Nebraska now or are planning a move, it is critical to understand the state's unique insurance laws.
Driving without car insurance in Nebraska is illegal, and if you are caught, you will face serious consequences. Furthermore, driving uninsured puts you at risk in the event of an at-fault accident. Here are some statistics about Nebraska drivers and accidents that you should be aware of:
In Nebraska, approximately 9.3 percent of drivers do not have car insurance.
In Nebraska, there were 36,706 accidents in 2019.
In 2019, just under 10% of all accidents resulted in at least one driver suffering a visible injury.
Nebraska auto insurance laws
Nebraska automobile insurance laws require drivers to carry at least 25/50/25 personal liability insurance as well as uninsured/underinsured motorist (UIM/UM) coverage. The following are the minimum coverage limits required for Nebraska minimum car insurance:
Per person, $25,000 in bodily injury liability/UIM/UM coverage is provided.
Per accident, $50,000 in bodily injury liability/UIM/UM coverage is provided.
Property damage liability coverage of $25,000 per accident
When you cause an accident, your liability coverage kicks in. If the other driver is injured, bodily injury insurance will cover their medical bills, and property damage insurance will cover their vehicle's repairs if it is damaged. If you are hit by a driver who is uninsured or does not have enough coverage to cover your losses in full, UIM/UM coverage can help cover your losses.
Nebraska liability insurance
Drivers in Nebraska must carry personal liability insurance as well as UIM/UM coverage in order to meet the state's requirements. Drivers can also purchase additional coverage if necessary. A minimum coverage policy in Nebraska, on the other hand, may not provide adequate coverage in the event of an at-fault collision.
If you hit another driver and your insurance policy's coverage limits do not cover the other driver's losses, you may have to pay the difference out of pocket. Insurance companies advise most drivers to purchase more coverage than is required for added protection, especially since a minimum coverage policy does not cover your own vehicle.
Collision and comprehensive insurance are two of the most beneficial optional coverages. Collision insurance will pay for repairs to your vehicle after a covered accident, whereas comprehensive insurance will pay for damages caused by non-collision incidents such as theft, vandalism, or fire.
Is Nebraska a fault-free state?
Nebraska does not have a no-fault system. It is a fault state, also referred to as a tort state. That is, if you are in an accident, the insurance of the at-fault driver will compensate the other driver for their losses. Drivers are required to carry Personal Injury Protection (PIP) in a no-fault state, and in the event of an accident, each driver's insurance company automatically pays for their medical expenses and related costs, regardless of who was at fault.
What is the most affordable car insurance in Nebraska?
Look for cheap car insurance companies in Nebraska if you want low-cost coverage. State Farm, Progressive, and Farmers are just a few of the low-cost providers we recommend. However, keep in mind that car insurance rates are personalised, so get quotes from several companies and compare them to see which provider can offer you the best deal.
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