Nebraska requires car insurance for all drivers.Nebraska car insurance requirements can play a role in your car accident claim. The state requires drivers to show proof of financial responsibility to maintain a driver’s license and to secure license plates for a vehicle. 

What Are Nebraska’s Car Insurance Requirements?

All motor vehicles registered in the state must maintain liability insurance with at least the following minimum coverage:

  • Bodily injury or death coverage per person - $25,000 
  • Total bodily injury or death coverage - $50,000
  • Property damage per accident - $25,000

Liability insurance can help cover the medical bills and property loss of another driver. It does not cover the at-fault driver’s property.  

Many people purchase additional coverage beyond state minimums. Having more coverage helps drivers avoid having to pay out of pocket when accident damages are above and beyond these minimums. This can help if you need to file an auto insurance claim later.

Additional Nebraska Auto Insurance Options

Many drivers benefit from having additional insurance to cover other risks. The state does not require drivers to maintain these types of coverage, but they can be beneficial to drivers who want to reduce financial risk. Other auto insurance options include:

  • Collision insurance. This coverage provides protection for a driver’s own vehicle when they cause an accident. It can make repairs or replace the vehicle.
  • Medical payments. This insurance option can help cover medical-related costs associated with accidents the driver causes.
  • Uninsured/underinsured motorist. If a driver causing an accident lacks the necessary insurance to pay for the damages they’ve caused, this policy can help. 
  • Comprehensive. This coverage applies to non-accident damage to the driver’s vehicle, such as fire, theft, or vandalism.

Why Hire a Car Accident Attorney if You Have Insurance? 

Although your car accident claim may be covered under the at-fault driver’s insurance policy, having a personal injury attorney help you to file the claim can reduce complications and improve outcomes. Your attorney can help negotiate with the insurance company. They can also work with your own insurer if they refuse to provide the necessary coverage to meet your losses. 

If you need to file a claim after an accident, contact the Law Office of Matthew A. Lathrop, PC, LLO. Our team can provide you with insight and ensure you get all compensation owed to you.


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