| 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. |