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When it comes to car insurance, every state has its own laws governing the minimum liability insurance required. Some states follow a tort system, while others follow a no-fault or hybrid auto liability system. It’s important to know Nebraska’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about Nebraska’s auto insurance laws and compare Nebraska auto insurance company quotes here, your one-stop-shop for all things related to Nebraska car insurance.

Nebraska auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Nebraska follows a tort system for auto insurance.

A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

PIP (Personal Injury Protection) insurance in NE.

Personal Injury Protection is not required in Nebraska, but it is still a very important insurance coverage that you should consider. Covers your medical, hospital and funeral expenses, including others in your vehicle. This is the basic coverage for your own injuries, without regard to who is at fault.

Uninsured or underinsured motorist coverage in Nebraska

UIM coverage protects you, the insured members of your household and your passengers for bodily injuries, damages, or death caused by an uninsured driver who causes an accident. Your policy will cover your medical expenses, up to the limit on your policy, if you are in an accident caused by an un or under-insured driver..

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Nebraska auto insurance rates.

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