Nebraska Car Insurance (NE)

Nebraska Car Insurance Requirements

Nebraska has statutory requirements for auto insurance that include both liability coverage and uninsured/underinsured motorist coverage. Their liability requirement for bodily injury is $25,000 for an individual and $50,000 for any one incident. This means that if you are involved in a collision where you are at fault, your insurance company will pay up to $25,000 in injury-related costs for any single person in the car you hit. It will pay a maximum of $50,000 in medical expenses for all occupants of the car. There is a minimum of $25,000 in property damage liability required, which pays for damages to the other car.

These legal minimums do not define the extent of your liability. It is for that reason that many people carry insurance with much higher ceilings: one common level of bodily injury overage is $100,000/$300,000. Today's medical costs and auto repair charges can add up quickly, and state-mandated amounts of coverage may not be adequate enough to cover these expenses.

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The other required insurance component is coverage for uninsured or underinsured motorists. This is meant to pay for injury related expenses incurred by you and your passengers in a collision with a driver that is uninsured, or whose insurance is insufficient to pay your expenses. The minimum coverage level for this insurance is the same as the liability requirements: $25,000 for an individual and $50,000 for all passengers. There is no coverage for property damage.

Optional Car Insurance Coverage in Nebraska

Important optional insurance to consider includes coverage for damages to your vehicle. Collision insurance will pay for the cost of repairs to your car resulting from an accident where you are at fault. Comprehensive coverage pays for non-accident related damages, resulting from incidents such as storms, fire, theft, break-ins or vandalism. There are deductible payments accompanying both of these categories of insurance. It is in your best interest to choose the highest deductible you can afford, should you be in an accident. High deductibles result in reduced insurance premiums.

Medical payments insurance is another option that provides an important layer of protection. This portion of your car insurance policy pays for injury-related costs incurred by you and your passengers, regardless of who is at fault. At times, this coverage can overlap other components of your policy; however there are instances where it might be an important resource. Some medical payments insurance coverage will include such things as wage loss compensation, rehabilitation costs, or in-home care.

You may also purchase towing insurance, to pay for the cost of removing your car from the accident scene. Also available is coverage for a rental car to drive while your car is in the shop.

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