Nebraska Auto Insurance Guide

Whether you’re going to a University of Nebraska game in Lincoln, bass fishing in the North Platte, conducting business in Omaha or exploring the farms and prairies of America’s heartland, the Cornhusker State has miles of open road and places to go. From Chadron to Falls City, Scottsbluff to Fremont and all points in between, sightseeing or commuting, car insurance is crucial to being a responsible Nebraska driver.

 

Auto Insurance Resources for NE State Residents

As of 2010, there were over 1.36 million licensed drivers and 2.1 million registered vehicles in the Cornhusker State. The Insurance Research Council estimates that 8% of Nebraska drivers are uninsured. The Nebraska Department of Roads Highway Safety Section’s 2007 Traffic Crash Facts reported a total of 35,875 car accidents. 22,716 of crashes resulted in property damage only; 12,929 involved injuries and 230 crashes resulted in 256 fatalities. Nearly 35% of the fatal accidents involved alcohol. Uninsured and alcohol-impaired drivers are good reasons to make sure you have enough car insurance while living and driving in the Cornhusker State.

 

Nebraska State Minimum Car Insurance

Nebraska state law requires you to carry a minimum amount of car insurance or face severe penalties. The Cornhusker State has a tort-based system. That means if you cause an accident, you can be sued. While Nebraska does not require you to carry uninsured/underinsured motorist coverage, additional personal liability or Collision and Comprehensive, if you own property or other valuable assets, you would be wise to supplement the minimum requires shown below:

• $25,000 bodily injury per person per accident
• $50,000 bodily injury for all persons per accident
• $25,000 property damage liability

 

Nebraska Car Insurance Laws

Nebraska law requires that you carry proof of Nebraska auto insurance in your vehicle and produce it if a law enforcement officer asks to see it. Driving without car insurance in Nebraska can result in a fine of up to $500 for a first offense, plus the immediate suspension of your driver’s license and registration. You will also have to file an SR-22 form showing proof of minimum coverage with the Nebraska DMV.

 

Regulating Agency and References

Nebraska Department of Insurance
This agency is responsible for regulating vehicle insurance policies sold in Nebraska. For more information, visit their website at www.doi.ne.gov/

Nebraska Department of Motor Vehicles
This is the agency responsible for licensing drivers and registering vehicles. You can learn more about Nebraska auto insurance requirements, penalties and related information at www.dmv.state.ne.us/

National Association of Insurance Commissioners (NAIC)
This is an organization of insurance regulators from the 50 states, District of Columbia and the five U.S. territories. NAIC provides a forum for the development of uniform policies when appropriate. NAIC members are elected or appointed state government officials who regulate the conduct of insurance companies and agents in their respective states or territories. Visit NAIC at www.naic.org

Insurance Information Institute (III)
This organization’s mission is to improve public understanding of insurance – what it is and how it works. Visit III at www.iii.org/

 

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