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Is Nebraska a no-fault car insurance state?

Here's what you need to know...
  • Nebraska is one of 38 tort law states in the country, which means that drivers in Nebraska are financially responsible for all damages they cause while driving their vehicle
  • To ensure your ability to comply with the tort law in Nebraska, the state has passed a minimum insurance requirement that you must comply with
  • There are penalties associated with not being properly insured in Nebraska per state law at all times.
  • Some Nebraska drivers purchase more than the required minimum amount of car insurance in this state to take advantage of the benefits it can provide
Before you start shopping for a new auto insurance policy in Nebraska, it is important to learn more about what no-fault car insurance is and how it may be relevant to you in this state.

There are currently 12 no-fault states in the United States, and these are states that require certain factors or thresholds to be met before a driver may sue them for damages or require their insurance to pay for damages.

For example, the cost of medical bills created by another person’s actions behind the wheel may need to exceed a specific dollar amount in some states. The other 38 states operate under a tort system.

In a tort state, the driver who caused the accident is fully responsible for all expenses he or she creates, and no minimum threshold must be met.

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For example, any medical bills associated with injuries created by another driver are that driver’s financial responsibility. Other expenses that the driver may be responsible for are property damage expenses, vehicle repairs, lost wages, and pain and suffering.

A Closer Look at Nebraska’s Financial Responsibility Law

If you plan to drive in Nebraska, you need to be aware of the insurance requirements and financial responsibility law in this state.

Nebraska is a tort law state, and this means that you must take financial responsibility for the damages you create for others, regardless of how seemingly minor they may be. Unlike in some other states, there is not a minimum threshold that must be met before you must pay for the damages you create in Nebraska.

– Pros and Cons of Tort Law States

As you might imagine, a tort law system has both positive and negative aspects to consider depending on which side of the law you fall on.

For example, if you are the victim of an accident caused by a reckless or distracted driver in Nebraska, you may not have to pay any money out of your own pocket to repair your vehicle, to get medical treatment and more.

This prevents you from having to pay a deductible or any other expenses for an accident that you had no part in creating.

On the other hand, in a tort law state like Nebraska, fault is decided in most car accident events. There may be instances when both parties played a role in causing the incident, and this can create confusion and legal complications.

In addition, in a tort law state, the driver who caused the accident must pay for all expenses for all vehicles and passengers, and this can be financially burdensome. In some cases, the expenses may extend beyond the limits of insurance coverage, and a driver may be responsible for paying at least some of the expenses out of his own pocket.

Auto Insurance in Nebraska

AdobeStock_16790494-1600x1600Nebraska has a mandatory auto insurance requirement for all drivers. The state requires its drivers to buy auto coverage that includes at least:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $25,000 for property damage liability per accident

Remember that you are financially responsible for any expenses that exceed these limits. Because of this, some drivers opt to increase their liability coverage amounts in an effort to potentially reduce accident-related expenses.

There are also optional coverage types that you can choose to add to your policy for additional financial protection, and these optional auto insurance products include:

  • Collision insurance
  • Comprehensive insurance
  • Medical payments coverage
  • Uninsured motorist coverage

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– Penalties for Driving Without Car Insurance in Nebraska

Because of Nebraska’s strict enforcement of the auto liability insurance law, it has one of the lowest percentages of uninsured drivers in the country.

Law enforcement officials typical determine a driver’s compliance with the auto insurance requirement in Nebraska when issuing a citation for a moving violation or when a driver is involved in an accident.

If you are caught driving without the minimum amount of car insurance required in this state, you may be faced with penalties that include:

  • Monetary fines
  • The suspension or revocation of your driver’s license
  • Points added to your driving record

You should be aware that points added to your driving record could eventually result in the suspension of your license and could make your auto insurance rates increase. Comparing insurance rates is important so that you find the best deal on Nebraska car insurance available.

Finding the Best Car Insurance Coverage in Nebraska

Dollarphotoclub_102323835-1600x1600If you are thinking about shopping around to buy Nebraska auto insurance for the first time or to identify potential savings on the coverage you currently have, consider getting firm quotes for car insurance from at least three to four top providers.

You can request quotes from more providers if time allows. However, you need to choose these providers with care if you want the best overall results.

Car insurance companies in Nebraska should be screened in multiple ways. For example, you initially need to review the customer satisfaction ratings and claims processes for different insurance providers in this state.

Then, you need to analyze the financial rating of each company that you are thinking about buying insurance from. Some of the financial rating websites that you can visit to research the providers further include:

– Look for Available Auto Insurance Discounts

Saving money on your Nebraska auto insurance policy is understandably a primary goal. While shopping around to compare rates offered by leading insurance providers is one option available to consider, you should also make full use of applicable auto insurance discounts available to you.

Each auto insurance provider offers unique discounts and has different eligibility rules for various discounts.

Generally, you may find discounts for:

  • Having a good driving record
  • Earning good grades if you are a student
  • Having a history of military or public service
  • Taking a driver’s education course
  • Insuring multiple vehicles or drivers under a single policy
  • Having an anti-theft device for your car
  • Having a good credit score

Because the car insurance discounts vary dramatically from provider to provider and because they can equate to substantial savings on your premium, it is important to pay close attention to the discounts you may qualify for when you shop around to get new car insurance quotes in Nebraska.

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