Nebraska drivers must have three forms of liability auto insurance, these being property damage liability, bodily injury liability, and uninsured and underinsured coverage. With the protection of these types of insurance coverage in place, the insured driver is protected from a number of different claims. These may include medical expenses, lost wages, pain and suffering, and more.
As with every state, Nebraska has specific required minimums when it comes to auto insurance. For Nebraska, this minimum is 25/50/25, which means the driver must carry $25,000 in injury liability for every person injured in the accident. This minimum requirement also means that Nebraska drivers must carry $50,000 in coverage for all injuries that may occur. In addition to injury coverage, Nebraska drivers must also carry $15,000 in property damage.
Bodily Injury Liability, or BI for short, is put into place in order to protect the driver if he or she has caused an accident to occur. With this type of coverage in place, the costs associated with the injury or death of a person involved in the accident is paid for. The benefits of Bodily Injury Liability insurance covers these costs for the driver of other vehicles that were involved in the accident, the passengers that were in either of the vehicles, and pedestrians that may have been involved in the accident. In accordance with Nebraska law, drivers must have $25,000 in coverage per person and $50,000 per accident.
Nebraska residents must also have insurance in place for uninsured or underinsured drivers. This insurance pays the medical expenses in the event that the driver at fault did not have insurance or did not have enough insurance to cover the expenses. This insurance must provide a minimum of $25,000 in coverage per person and $50,000 per accident.
In order to get a vehicle registered in the state of Nebraska or to legally drive in the state, every driver must have these minimum liability requirements in place. In addition, there are many ways for a Nebraska driver to prove the proper coverage is in place. The easiest way to accomplish this is to present the insurance card that was issued by the insurance company.
For drivers that do not know where their insurance card is or that have misplaced their card, there are several additional methods that can be used to prove coverage. For example, a driver in Nebraska can show his or her receipt for payment of the premium. Or, the driver can show his or her insurance binder, which is issued by the insurance agent. A driver in Nebraska may also show the actual insurance policy or the policy’s current declarations page as proof of coverage. A certificate of liability insurance policy, which must be issued by either the insurer or by an authorized agent, may be used as well.
For those drivers in Nebraska that recently purchased a new vehicle, proof of insurance may be demonstrated by simply proving that insurance was in place for the vehicle that was replaced by the new vehicle. In order to prove coverage in this manner, however, the vehicle must have been purchased within the past 60 days.