In the state of Nebraska, all drivers are required to have a minimum amount of motor vehicle insurance. However, this doesn’t mean you can count on drivers to have insurance that is adequate to cover damages should you be involved in a car accident. It’s beneficial to have protection under your own auto insurance with uninsured/underinsured motorist coverage.
Nebraska Car Insurance Requirements
Nebraska’s current minimum requirements for car insurance coverage are:
- Bodily Injury Liability Coverage of $25,000 per person and $50,000 per accident
- Property Damage Liability Coverage of $25,000
- Uninsured Motorist Bodily Injury Coverage of $25,000 per person and $50,000 per accident
- Underinsured Motorist Bodily Injury Coverage of $25,000 per person and $50,000 per accident
This is the amount that drivers are legally required to have. However, it’s advantageous to have more insurance than required in case you’re involved in an accident with an uninsured/underinsured driver.
Although all Nebraska drivers are required by law to carry auto insurance, according to studies conducted by the Insurance Information Institute, about one in eight drivers is uninsured. If you’re injured in a crash with an uninsured driver or involved in a hit-and-run accident with no way to determine the identity of the driver, your own uninsured motorist coverage can help you. If you have this type of coverage, your insurance company will provide you with compensation for damages. However, it's best to consult with your car accident attorney before filing a claim.
When the at-fault driver is underinsured, this means he does not have enough insurance coverage to compensate you for your damages. If you have your own underinsured motorist coverage, you might be able to collect additional funds from your insurance company to cover damages.
Contact a Car Accident Lawyer
If you’ve been injured in a car accident with an uninsured or underinsured driver, work with an experienced personal injury lawyer. Contact the Law Office of Matthew A. Lathrop. As your car accident lawyer in Omaha, we offer free consultations by phone or in person to discuss the details of your case.