Nebraska state law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability for auto insurance. Check with your auto insurance company to understand the details of coverage they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

Bodily injury liability: If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of you auto insurance company representing you in court.

Property damage liability: When you cause accidental damage to another person’s property — be it a car, fence, pole, wall, etc — with your vehicle, property damage liability will cover the cost of repairing the damaged property. Property damage liability will also cover any legal costs that may ensue from the accident. Any additional costs exceeding your coverage amount could leave you paying for repairs out of pocket or by liquidating any assets you currently hold. If you want coverage of your own vehicle’s damage in an accident, you will need to purchase collision coverage.

Although you are not required to carry collision or comprehensive collision, it is suggested that you think about the consequences of not carrying these two coverages. Not carrying these coverages does mean that if your car is damaged in an accident or stolen, you would be responsible to pay for repairs or replacement out of your own pocket. Collision and comprehensive may be an expensive part of your Nebraska car insurance, but ultimately it may cost less than replacing your current car.

Nebraska operates under a tort auto insurance system; it does not acknowledge the no-fault system. This means by law of the state of Nebraska the at-fault driver in an accident and their auto insurance company are responsible to pay for the medical expenses of the other driver in addition to compensating for additional damages, i.e. pain and suffering and/or loss of wages. Take this law into consideration when deciding how much coverage you want to purchase for your auto insurance policy, making sure to protect yourself from having to pay too much out of pocket if you or one of your dependents are ever in this situation.

In the state of Nebraska you are required to always carry the required minimum amount of auto insurance. You will be asked to provide proof of insurance in the event of a traffic stop or an accident. If you fail to provide such proof upon request, your driver’s license is subjected to be suspended.

Nebraska Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Coverage: $25,000 Limit

Compare & Save on Insurance by Visiting Our Comparison Form. Enter Your Zip Code, Select Insurance Type, then Click Go. One Form, Takes Only ~ 3 Min, Quotes from Top Providers!