It is very important
to make sure that you have proper Nebraska car insurance coverage if you are a
Nebraska resident. The state of Nebraska chose the honey bee as their state
insect probably because it is so industrious. You may want to mimic the
behavior of this busy bee and shop around for car insurance if you live and own
a car in the state of Nebraska
Nebraska follows a
Tort system of law in regards to car accidents. This means that someone must be
found to be at fault for causing the accident, and that person and their car
insurance company is responsible for all damages
Nebraska state law
only requires that you carry liability car insurance. The state requirements
are Bodily Injury Liability in the amount of $25,000 per injured person up to
$50,000 per accident
You must also have Property
Damage Liability car insurance coverage in the amount of $25,000. Keep in mind
that if you are found to be the cause of an accident, you will be held
personally and financially responsible for any and all damages and medical
expenses that is not covered by insurance. Medical expenses and car repair
costs add up fast, so you may want to purchase more than the minimum amount of
car insurance required
For more information
on the required amount of insurance, or if you have any questions about
Nebraska's car insurance requirements, you can call the Nebraska Department of
Insurance located in Lincoln or speak with a licensed Nebraska auto insurance
agent
While not required by
Nebraska law, you may want to purchase comprehensive car insurance coverage. If
you are in an accident, comprehensive car insurance will pay for repairs up to
the Blue Book value of the car, and if the costs will be in excess of this
amount the car will be deemed to be totaled and you will receive the cash value
of the car. Comprehensive coverage may be required by your bank or other
financial institution if you have a car loan or lease your vehicle. In some
cases gap insurance might be a good idea as well. Gap car insurance will help
make up the difference between what is paid by comprehensive car insurance and
what is owed on your loan if your car is found to be totaled in an accident
Also not required by
the state of Nebraska, you may want to purchase collision car insurance
coverage. Collision coverage will pay for the repairs to your car, minus your
deductible, in the event you are involved in an accident
Personal Injury
Protection, commonly called PIP insurance added to your car insurance coverage
will help pay for reasonable and necessary medical expenses for you and your
passengers. While Nebraska state law does not require Personal Injury
Protection, you may want to seriously consider this type of coverage. Personal
Injury Protection car insurance will help with medical expenses, lost wages,
and replacement services for any injuries to you and your passengers if you're
involved in a car accident
You might also want to
consider underinsured/uninsured car insurance coverage. This type of coverage
protects you if you or your passengers are injured in an accident caused by a
driver who has no insurance, or is underinsured. Underinsured/uninsured car
insurance coverage will pay for such things as medical expenses, lost wages,
other general damages, and injuries sustained in hit-and-run accidents
The Nebraska
Department of Motor Vehicles uses the phrase proof of financial responsibility
in some of its forms and documents. This means the state wants to see
documentation proving that you have a valid car insurance policy that will
cover any personal or property damages you may cause in a car accident
If you have amassed
too many points on your driving record, or have been convicted of driving while
intoxicated, were involved in a serious accident, or previously failed to
maintain proper car insurance, you may need to file a valid SR-22 Nebraska
Certificate of Insurance to be issued a new driver's license. There are some
key things that you should know if you are looking to purchase Nebraska SR-22
auto insurance
An SR-22 Certificate
of Insurance, simply states that you have proper and valid car insurance.
You're insurance company must mail or personally deliver this document to the
Nebraska Department of Motor Vehicles. The SR-22 form will contain the name of
your insurance company, your car insurance policy number, the effective date of
your car insurance coverage, and the signature of your car insurance company's
licensed representative. If you are required to have a SR-22, the Nebraska
Department of Motor Vehicles will track your car insurance information through
a special computer system to make sure you have adequate proof of financial
responsibility
To obtain more
information about an SR-22 Certificate of Insurance, you can call the Nebraska
Financial Responsibility Division at (402) 471-3985
When purchasing car insurance in
Nebraska, it may save you
hundreds of dollars a year in car insurance premiums to do some research. Take
the time to shop around and compare rates and the different types of coverage
available
In addition to
shopping for the best rate, shop for the best insurance company as well. Ask
questions such as: How do you determine my Nebraska car insurance rate? What
can I do to get a better rate? Do I qualify for any discounts? What kind of
payment plans to you offer? What is your procedure for filing a claim? You may
want to pay close attention to the car insurance company's answers to these
questions, it could help you determine which Nebraska car insurance company is
going to give you the best customer service, as well as a good rate
Be sure and compare
rates from multiple Nebraska auto insurance companies side by side in order to
find the best rate. Get started comparingauto insurance quotes today
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