Similar to most states in America, Nebraska has certain insurance requirements which must be met in order to legally operate a vehicle within the state. Failure to provide insurance will result in a direct suspension of the guilty party's Drivers License. If there is a lapse in insurance coverage, the Drivers License will be suspended until proof of coverage is provided.

Bodily Injury Coverage

Nebraska requires that you have a minimum of $25,000 for one person, and $50,000 per accident coverage for bodily injury or death. Bodily Injury Coverage is divided into three sections: medical bills, wage loss, and pain and suffering. If the innocent party experiences symptoms which fall under any of these three categories, your Bodily Injury Coverage will reimburse the costs.

Property Damage Coverage

Nebraska requires that you have a minimum of $25,000 coverage in the case of property damage. Keep in mind that Property Damage Coverage extends to property besides vehicles; houses, fences, street lights, and buildings all fall under this category.

Uninsured/Underinsured Motorist Coverage

Unlike many states where Uninsured Motorist Coverage is optional, in Nebraska it is a requirement. To legally operate a vehicle, you must have a minimum amount of $25,000 to cover costs in case the other driver is uninsured.

Tort State

Nebraska runs on a Tort System, which means that fault will be found with one or more drivers involved in an accident. The guilty party will be responsible for all damages and their corresponding costs. Because of this system, it is highly recommended that a driver carries higher coverage than the bare minimum; if found at fault, you will be responsible for all repair costs.

An insurance agent will be able to clearly explain the minimum requirements for driving legally in Nebraska, and will be able to construct an appropriate insurance package based on your specific needs and budget concerns. In addition, your insurance agent will be able to help you decide whether you need additional Nebraska specific coverage added, such as deer collision and snow induced accidents. You can discuss with your agent whether black ice accidents are covered, and how your policy covers them.