Car Insurance in Nebraska
Nebraska Car Insurance
Nebraska requires you to have car insurance in order to help make sure that you can pay for costs when unfortunate incidents arise, such as car accidents. This focus on insurance has paid off. Nebraska is well below the national average for uninsured drivers.
Read more to learn all about Nebraska car insurance laws, how you can help keep car insurance fraud down, and how prices are determined within the state.
Nebraska Car Insurance Requirements
In order to be compliant with Nebraska’s car insurance laws, you must have liability insurance. This helps cover costs towards injury and property damage suffered by others in a car accident you cause.
In Nebraska, your car insurance policy must meet at least these following liability coverage minimums per accident:
- $25,000 for bodily injury, per person.
- $50,000 for total bodily injury if multiple people are hurt.
- $25,000 for property damage.
Some drivers may find that simply meeting the Nebraska car insurance minimum requirements does not protect them as completely as they would like. This is especially true when you consider that liability coverage does not help you pay for your own injuries or property damage.
Consider purchasing one or more of these common coverage types for more peace of mind:
- Collision – This will help you with costs from damages to your car after a traffic accident.
- Comprehensive – This will help you pay non-accident-related damages to your car, including those from weather events and fire.
- Medical payments – This will help you pay for your medical care if you are hurt in a car accident.
- Uninsured motorist – While Nebraska is not known for having a high rate of uninsured drivers, they are still on the road. This coverage will help pay for your costs after an accident with one of these uninsured drivers.
NOTE: Collision and comprehensive coverages are often required as part of a car loan or lease agreement.
Car Insurance Violations
In Nebraska, you are required to have proof of insurance with your car at all times. Proof of insurance is most commonly in the form of an insurance ID card issued to you by your car insurance company.
If you are caught driving without proof of insurance or without any car insurance at all, you face penalties that can include:
- Driver’s license suspension.
- License revocation.
- Assessment of violation points to your driving record.
Nebraska Automobile Insurance Plan
Car insurance companies have the right to deny coverage to drivers who pose an unnecessary risk to them. These drivers include those with poor driving histories or those who’ve file multiple accident claims.
As a way to guarantee that all drivers can obtain car insurance even if they have a high-risk status, Nebraska car insurance companies must participate in the Nebraska Automobile Insurance Plan.
Through the plan, car insurance companies within Nebraska share the risk of providing insurance to those who can’t find insurance on the open market.
You can apply to the plan through any licensed car insurance agent or company in the state. Note that rates through the plan are higher than average, so it’s best to do a thorough search for a provider before using this option.
Other Car Insurance Issues
The Nebraska Department of Insurance (NDOI) handles several issues involving car insurance. Two main issues the NDOI deals with are consumer complaints and insurance fraud.
If you have an issue with your car insurance company, the NDOI recommends that you attempt to resolve the issue directly with the company.
If you cannot resolve your issue with your car insurance company, you can file a complaint with the NDOI.
If you have supporting documents with your complaint, or your complaint involves a health or injury claim, you must print out a Consumer Affairs Division Complaint Questionnaire (Form DOI-4000) and mail it to:
Nebraska Department of Insurance
P.O. Box 82089
Lincoln, NE 68501
Otherwise, you can file your complaint online at the NDOI website.
Every year, insurance companies lose a lot of money due to insurance fraud. Consumers pay for these losses through increased premiums.
You can help fight insurance fraud by reporting suspected fraud to the NDOI.
Car insurance fraud often involves:
- Staging of car accidents.
- Falsifying or exaggerating injuries.
- Falsifying or exaggerating property damage.
You can report suspected car insurance fraud to the NDOI by downloading and completing a Suspected Fraudulent Claim Referral form and sending it by one of the following methods:
- By fax to (402) 471-8335.
- By mail to:
- Insurance Fraud Prevention Division
- P.O. Box 82089
- Lincoln, NE 68501
Determining Your Car Insurance Rates
There are several reasons why your NE car insurance premium costs what it costs.
When shopping for car insurance, keep in mind that the following may factor into your rates:
- Your driving record.
- Your car’s:
- Your credit history.
- Your zip code.
- Your age.
- Your gender.
- Your marital status.
- The chosen deductibles:
- This is the amount you have to pay towards a claim before your insurance will start paying out.
- The higher your deductible, the lower your premium.
One of the best ways to save on car insurance is to take advantage of discounts.
Some common car insurance discounts in Nebraska include:
- Good driver discount.
- Good student discount.
- Multi-policy discount.
- Anti-theft device discount.
- Safety device discount.
While discounts can save you money on car insurance, the best way to get low-cost car insurance is to keep a clean driving record.
Most Stolen Cars in Nebraska
Owning a car that is highly targeted for theft can lead to higher car insurance rates.
The following is a list of Nebraska's most stolen cars in 2013, according to www.nicb.org:
- Honda Accord.
- Chevrolet Pickup (Full Size).
- Honda Civic.
- Ford Pickup (Full Size).
- Dodge Pickup (Full Size).
- Jeep Cherokee/Grand Cherokee.
- GMC Pickup (Full Size).
- Chevrolet Pickup (Full Size).
- Ford Explorer.
- Chevrolet Impala.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
- Washington DC