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• Nebraska Insurance Laws

Nebraska Liability Insurance Laws (Minimum, Mandatory & Optional)

Auto Insurance Laws in Nebraska

Most states require that drivers meet minimum insurance requirements and Nebraska is no exception. These minimums are meant to protect drivers from he costs of illegal, uninsured drivers. The mandatory minimum required amounts for each state can vary significantly though, so make sure you are aware of the Nebraska minimum auto insurance requirements and optional coverages before you even begin comparing insurance company quotes.

MINIMUM Liability Insurance Requirements for the state of Nebraska are:

• $25,000 bodily injury coverage for one person
• $50,000 for coverage of bodily injury for 2 or more people
• $10,000 property damage coverage

Note:Liability insurance covers you against damages you cause to others if you are at fault in an accident. It does NOT protect you against your own losses.

Insurance companies must offer Uninsured Motorist coverage, but it is not a requirement that you, the consumer, purchase this coverage. Consumers may want to consider higher liability limits than the state minimum, because the minimums may not cover your exposure to lawsuits and it can get very expensive. You’ll especially want to consider purchasing additional coverage if you have a lot of assets to protect including a more expensive vehicle.

Proof of Financial Responsibility

Nebraska requires that you carry proof of financial responsibility. This means you need proof that have the ability to cover damages for liability. This can be accomplished by carrying your insurance ID card in your vehicle at all times.

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