Nebraska Auto Insurance Policy Requirements

Q: What is in a basic Nebraska auto insurance policy?
A: Various kinds of auto insurance options can be added to your Nebraska auto insurance policy. Here are the primary kinds of coverage:

  1. Liability Coverage
    1. In order to differentiate bodily injury from property damage, liability insurance is comprised of two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Nebraska state law requires liability coverage. There is a minimum of liability coverage required in all Nebraska auto insurance policies:
      1. 25/50/25” (Nebraska’s minimum auto insurance requirement)
      2. $25,000 for the injury or death of one person.
      3. $50,000 for the injury or death of more than one person.
      4. $25,000 for damage to property.
    3. Liability minimums are different for vehicles that have been leased.
  2. Collision Coverage is a state requirement if the vehicle is financed (not paid for). if the vehicle is paid for then it is recommended to add collision, but it is not required for your Nebraska auto insurance policy.
  3. Comprehensive Coverage is again a state requirement if the vehicle is not paid for. If the vehicle is paid for then we recommend you consider adding comprehensive to your Nebraska auto insurance policy, though it is not mandatory.
  4. Medical Payments Coverage is an advisable option to include in your Nebraska auto insurance policy, but it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional although suggested addition to enhance the coverage on your auto insurance policy in Nebraska.
  6. Personal Injury Protection (PIP) Coverage is not mandatory for your Nebraska auto insurance policy.
  7. Other Options to Consider
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Nebraska a No-Fault state?
A: No, the no-fault insurance system is not used in Nebraska.

Q: How can I get a discount on a Nebraska auto insurance policy?
A: To find out if you may qualify to lower the cost of your auto insurance policy, see our list of auto insurance discounts.

Q: Where can I find more information about Nebraska auto insurance?
A: To conduct further research on auto insurance for Nebraska, here are some internet resources:
  1. Nebraska Insurance Resources
    1. The Nebraska Department of Motor Vehicles (DMV) promotes road safety and administers registration for motor vehicle activities.
    2. The Nebraska Department of Insurance (DOI) protects insurance consumers and providers with statutory obligations. A useful auto rate guide provides more information for buying an auto insurance policy.
  2. National Insurance Resources

CLICKinsure agents offer their full services to Nebraska residents in all of its 93 counties. Across Nebraska’s Great Plains and the gently rolling hills of the Dissected Till Plains, quality car insurance is a must for the Nebraskan driver. Throughout the praires and farmlands, and into cities like Omaha, Lincoln, Grand Island, Fremont, Kearney, Bellevue, Hastings, and North Platte, CLICKinsure can be your broker. Let CLICKinsure help you secure a plan with premiums and deductibles that fit your individual needs as a car owner in the state of Nebraska.

 

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