Bodily Injury Requirements in Nebraska
If you get into a car accident where you're found at fault, you'll be responsible for more than just yourself. Fortunately, you're required to carry minimum limits of coverage in order to drive in most states.
In Nebraska, bodily injury limits need to be at least $25,000 per person and $50,000 per accident. This will pay for the other party's injuries sustained from a collision.
Property Damage Requirements in Nebraska
Property damage liability is another required coverage in Nebraska. This limit will help you pay for property damage of another driver when a collision occurs and you're at fault.
In Nebraska, you're responsible for carrying a minimum of $20,000 in property damage liability. When you're found without proper coverage, you'll need to pay out of pocket for the loss.
Medical Payments Coverage Requirements in Nebraska
Some states mandate personal injury protection, or PIP, under your car insurance policy, which helps pay for your medical expenses. PIP is not a required coverage in Nebraska, however.
You can obtain medical payments coverage that will do a similar thing and protect your pocketbook from medical bills you sustain due to an at-fault accident. To find what limits are necessary under your auto policy, consult with a trained professional.
Uninsured Motorist Coverage in Nebraska
Uninsured motorist coverage helps pay for your medical expenses and property damage when you're in a collision with an at-fault uninsured driver. In Nebraska, uninsured motorist coverage is mandatory.
While every driver is required to carry car insurance at the minimum limits, not all do. There are currently 6.8% of the driving population still uninsured in Nebraska.
Optional Car Coverage in Nebraska
Each car insurance policy comes with a list of options for your coverage. Collision insurance and comprehensive insurance are two of the most common choices, and help pay for damage to your vehicle when a collision occurs.
You can also obtain several other limits of protection under your policy, like rental car coverage when you need a replacement vehicle. Another is roadside assistance that helps pay for a tow when you need it most.
Car Insurance Discounts to Consider in Nebraska
There are numerous discounts on car insurance that could be available to you. A multiple policy discount can give you a large savings when you have more than one policy with the same carrier.
In Nebraska. if you're in a teachers union, attorney group, or government agency, you could cut costs by 10% with an association discount. And being a loyal customer has its perks and can reduce your premiums as well.
How to File a Car Insurance Claim in Nebraska
If you have a car accident, it can be overwhelming to say the least. To help, take a look at these 4 easy steps for filing a car insurance claim in Nebraska.
First, make sure everyone's safe and injuries are taken care of by a professional. Second, call your independent insurance agent and report the loss as soon as possible. Third, ask your agent for the claim number and if you need a rental vehicle, get one. Last, work with your adjuster to go over damage and injuries for payment of the claim.