As most states, Nebraska considers Auto Liability insurance policy it is required in the State of Nebraska to own a liability insurance policy for all vehicles. Minimum coverage required by law in Nebraska is of:

• $25,000 per person to pay for bodily injury or death
• $50,000 per accident to pay for bodily injuries or deaths, and
• $25,000 per accident to pay for property damage.

Other ways to establish financial responsibility are by making a $75,000 cash deposit with the State Treasurer, have self-insurance (when owning more than 25 vehicles), obtaining a surety bond with companies authorized in the state of Nebraska or owning sureties for two real estate within Nebraska.

The state of Nebraska exonerates boats, snowmobiles, trailers, dealer-plated vehicles and campers from having liability insurance.

You will be obliged to carry at all times proof of insurance, most insurance companies issue an insurance ID card at the moment you acquire their services. Other ways to prove your financial responsibility are with a certificate of self-insurance issued by the DMV of Nebraska, proof of a surety bond and/or a certificate that the State Treasurer emitted as a proof of your cash bond.

It is highly recommended not to go with the minimums but to study what your financial possibility is and expand coverage amount, this will protect you and your assets in the event of an accident of which you are held responsible. Also the more coverage you have, the less possibility of a law suit you may have.

Only auto liability insurance is mandatory in the state of Nebraska, however drivers can extend their coverage with other common types of coverage available, such as comprehensive, collision and Uninsured / underinsured motorist coverages.

Always keep in mind that your liability insurance will only pay for damage and injuries you may cause to others, this coverage will not pay for your needs. This is why it is considered a type of financial responsibility towards the other drivers.

Additional insurance will not only extend your coverage, but also help you get your vehicle back to working conditions. This is the case of Collision and Comprehensive coverage. The first one is intended to help pay for any expense you may have while fixing physical damage your vehicle suffers, regardless the intensity of the accident, collision coverage will pay for its reparation. This includes collisions with other vehicles, as well as with non moving objects, like walls, trees, etc.

Similar to Collision coverage, comprehensive will too pay for fixing expenses, only this type covers accidents caused by non vehicle events, such as weather (tornados, floods, high winds), wildlife (like running over deer, cattle, etc.) theft and common vandalism.

Both coverages will not pay for any medical or legal expenses.

Lastly, there is uninsured and underinsured motorist coverage, as it is stated on their names, they provide coverage against irresponsible drivers that cause an accident and either lack of or don't have enough liability coverage to pay for your injuries or damage. Uninsured motorist is also used to pay for accidents when the driver responsible drives away (hit-and-run).