Nebraska Car Insurance

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Overview Insurance Information SR-22 Driver Statistics Accident Facts Additional Resources

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Nebraska Car Insurance Overview

When it comes to car insurance, Nebraska is a fault, or tort, state. That means the driver at fault for the accident is responsible for compensating the other driver, pedestrian or cyclist injured in the crash for medical and other accident-related expenses. The at-fault driver is also responsible for damage to other vehicles or property.

An injured person in Nebraska may seek compensation for their car accident injuries in one of three ways. The first is via their own insurance company, which then pursues the claim with the at-fault driver’s insurer. The second method involves filing the claim directly with the at-fault driver’s insurer, and the third involves filing a personal injury lawsuit against the at-fault driver.

In Nebraska, the statute of limitations for filing a personal injury lawsuit after a car accident is four years from the date of the accident, a longer period than in many states. Failure to file a lawsuit by that deadline means the case cannot go forward in court. If a person succumbs to their accident-related injuries, family members have two years from the date of death to file a wrongful death lawsuit.

The General standing in front of Nebraska with his arms crossed and a smile.

Nebraska Auto Insurance Information

Under Nebraska law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury Liability (BIL) insurance, and at least $25,000 in Property Damage Liability (PDL) coverage. BIL pays for the medical and other accident-related expenses of parties other than the at-fault drivers involved in the crash, to the coverage limits. PDL pays to repair or replace other vehicles in the crash and other property damage up to the coverage limit when the insured is at fault. Neither BIL nor PDL pays for the at-fault driver’s expenses relating to the accident.

Nebraska also requires a minimum of $25,000 per person and $50,000 per accident in uninsured and underinsured motorist insurance. While this insurance pays for your medical expenses if you get into an accident with an uninsured or underinsured driver, it does not cover property damage to your vehicle.

Keep in mind these are the minimum amounts required. Most people should purchase additional insurance to protect their personal assets if they are ever involved in a serious car accident.

While the state does not require collision or comprehensive insurance, lenders will almost certainly mandate such coverage for leased or financed vehicles.

SR-22 Insurance in Nebraska

Anyone whose driver’s license is revoked or suspended due to a court conviction, points accumulation, lack of insurance or other administrative reason must have their insurance company furnish the Nebraska Department of Motor Vehicles (DMV) with an SR‑22 Form. This certificate of financial responsibility is required prior to license restoration. Most drivers must file an SR-22 Form for three years, but the mandated time varies according to why the suspension or revocation occurred.

Nebraska Driver Statistics

Just under 2 million people call the Cornhusker State home, and about 1.4 million of them hold driver’s licenses. In recent decades, Nebraska cities have seen significant growth, but rural areas are dwindling in population.

Nebraska’s top industries include agriculture, biosciences, advanced manufacturing, financial services, information technology, transportation and logistics, and renewable energy. Agricultural commodities include pork, beef, corn, maize, soybeans, and sorghum.

Major attractions in the state include Omaha’s Henry Doorly Zoo and Aquarium, featuring the largest indoor desert, jungle and nocturnal animal exhibits on the planet; Joslyn Art Museum, Omaha; the Strategic Air and Space Museum in Ashland; the National Museum of Roller Skating, Lincoln; the Chimney Rock National Historic Site; Scotts Bluff National Monument; Indian Cave State Park; Carhenge, modeled on Stonehenge but with automobiles, in Alliance; the Nebraska National Forest, and scenic driving tours of the state’s beautiful Sandhills.

Nebraska Auto Insurance & Accident Facts

In 2017, 34,999 crashes occurred in Nebraska, of which 210 proved fatal. Roughly 70 percent of those killed were not wearing seatbelts. Thirty-five percent of accidents involved a serious injury. Alcohol was involved in approximately 20 percent of fatal collisions, and 72 percent of the drivers involved in fatal crashes were male. More than half of the drivers involved in an alcohol-related accident were between the ages of 21 and 34, and another 11 percent were between the ages of 15 and 20, below the legal drinking age.

In 2017, a person died on Nebraska roadways every 40 hours, and 49 people were injured daily in motor vehicle accidents.