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Car Insurance
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Like every state in the U.S., Nebraska imposes a minimum liability insurance requirement on all its drivers, for the good of everyone on the road.
Maintaining required coverage is so important, in fact, that you can have your license immediately suspended if you are caught driving without it.
What are the Requirements?
The minimum automobile liability insurance requirements for Nebraska are $25,000 for bodily injury or death of one person in one accident, $50,000 for bodily injury or death of two ore more people in one accident, and $25,000 for damage to the property of others in any one accident.
Financial Responsibility
The Nebraska Department of Motor Vehicles uses the phrase "proof of financial responsibility" in several of its forms and documents. This means the state wishes to see documentation proving that you have a valid auto insurance policy that would cover any personal or property damages you might cause in a motor vehicle accident.
In most cases, proof of financial responsibility is only necessary for drivers who have exhibited negligent or unsafe behavior.
What is an SR-22 Certificate of Insurance?
If you've recently lost your driving privileges because you accumulated too many points on your driving record, were convicted of operating a vehicle while intoxicated, were involved in a serious auto accident, or previously failed to maintain proof of insurance, you will need to present a valid SR-22 Certificate of Insurance to be issued a new driver license.
The SR-22 Certificate of Insurance must contain the name of your insurance company, your valid policy number, the effective date of your coverage, and the signature of your insurance company's authorized representative. Your insurance company must mail or personally deliver the SR-22 Certificate of Insurance to the Nebraska DMV. Faxes or photocopies of this document will not be accepted.
If you are required to have an SR-22 Certificate of Insurance, the Nebraska DMV tracks your insurance information through a special computer system to ensure adequate proof of financial responsibility.
To learn more about requirements for the SR-22 Certificate of Insurance, please visit the Nebraska DMV Web site or call the Financial Responsibility Division at (402) 471-3985.
