Each state in the U.S has made auto insurance compulsory. Majority of the states have the tort system which holds one person responsible for the accident and makes him pay for all the expenses which usually tag along after an accident.

Nebraska is also one state which prefers the tort system and to ensure its residents are well protected against the back breaking expenses, has made the auto liability insurance mandatory. Anyone caught without a proof of insurance can have their licenses suspended. The Nebraska auto insurance recommends a minimum limit of 25/50/25. These figures show that the coverage for the physical injuries suffered by a person because of you is $25,000. The total coverage for body injuries if more people are in the car is $ 50,000. $10,000 covers any damage to property because of your negligence. These are the least limits and as the medical care and vehicle repair is very costly so to be on the safe side, you should raise the limit when buying the policy as you have to pay for the difference if the coverage is exhausted.

Although some States have also made the uninsured/underinsured coverage (UM) necessary, but according to the Nebraska auto insurance, it is optional. It however is highly recommended by the State as it compensates for your losses in the accident. It also protects you from the heavy losses you might face if an uninsured motorist or a motorist with very little coverage hits you. Another situation it saves you from is if the driver escapes after hitting you. The least level of the UM is also 25/50 ($ 25,000 per person and $ 50,000 per accident).

Nebraska auto insurance also has the option of Comprehensive insurance which is a must have if you drive a leased vehicle. It also compensates if your car is damaged by incidents other than auto accidents.

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Filed under: Auto Insurance By States

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