Nebraska Car Insurance

In the State of NE, proof of financial responsibility must be carried in the vehicle at all times; demonstrating the financial responsibility (insurance) in the following amounts: 1) twenty-five thousand dollars ($25,000) because of bodily injury to or death of one person in any one accident, 2) subject to such limit for one person, in the amount of fifty thousand dollars ($50,000)  because of bodily injury to or death of two or more persons in any one accident, and 3) in the amount of twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident.

Proof of Financial Responsibility is required on all vehicles registered in the State of Nebraska with the following exceptions:

    * All trailers (pulling unit insurance must provide coverage for the trailer);
    * Snowmobiles;
    * Boats;
    * 30-day plated vehicles;
    * Dealer-plated vehicles;
    * Campers on the back of trucks - proof is required for the truck on which the camper is placed.

Proof of Financial Responsibility is presented to the designated County Official at the registration issuing site when application for registration is submitted.

The following documents are satisfactory Proof of Financial Responsibility:

Certificate of Insurance-The NE Auto Insurance Policy must be original document issued by an insurance company authorized to do business in Nebraska. Photocopies are not acceptable. The names on insurance policy, registration and title do not need to match. However, there must be a detailed description of the vehicle (year; make; model and minimum of the last three digits of the VIN). The Insurance Policy presented must the following information:

    * Name of the insurance carrier;
    * Names of insured;
    * Policy number;
    * Year of vehicle;
    * Make of the vehicle;
    * "Model" of the vehicle (e.g., Ford "Mustang") and/or the last three digits of the Vehicle Identification Number;
    * Effective and expiration dates of the liability coverage.

A "binder" may be accepted as proof as long as it meets all requirements of the Certificate of Insurance except policy number. In instances where an individual has traded vehicles and new car is covered under their old policy (usually for 30 days), written certification from the insurance company or agent that the new vehicle is covered under the old policy is required before the new vehicle can be registered.

    * Bond issued by a surety company authorized to do business in Nebraska in the amount of $25,000 for bodily injury or death of one person and $50,000 for the bodily injury or death of two or more persons in any one accident and $25,000 for injury or destruction of property in any one accident;

    * Property Bond with at least two individual sureties, who each own real estate within Nebraska, approved by a judge of a court of record in Nebraska. The bond is valid only if it bears the Department of Motor Vehicles Seal;

    * Certificate of the State Treasurer: The person named therein must deposit $75,000 in cash or securities in the custody of the State Treasurer’s office. Contact the State Treasurer for additional information. The certificate is valid only if it bears the Department of Motor Vehicles Seal;

    * Certificate of Self-Insurance issued by the Nebraska Department of Motor Vehicles. This certificate is valid only if it bears the Department of Motor Vehicles Seal;

    * Motor Carrier Automobile Bodily Injury and Property Damage Liability Certificate of Insurance (Form B.M.C. 91X - Rev. 1982)

    * Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance (Form E)

For Fleet vehicles (a group of at least five (5) vehicles that belong to the same owner), when the insurance card does not specifically describe the vehicle, a statement that the insurance coverage applies to all vehicles owned by the named insured in place of an explicit description is acceptable.

The named insured must match the registered owner. In a lease situation the registered owner is the lessee.

If You're Involved in an Accident--
Stop vehicle at the scene of the crash or as close as possible.
Assist the injured if aid is necessary or requested and notify emergency authorities.
Use flares, reflectors, flashlights to alert traffic from all directions.
Exchange information with the other drivers to include:
 • Name, address and telephone number.
 • License plate number.
 • Driver’s license number.
 • Insurance information.
 • Make, model and year of vehicle.
 If you hit an unattended vehicle, contact the proper authorities and provide written
information as outlined above where the owner can find it.
 Obtain the names and addresses of witnesses.
 Do not leave the scene of the crash until released by proper authorities.
 Complete a Driver’s Motor Vehicle Accident Report and send it to the Department of Roads within ten (10) days if any person is injured or killed, or damage appears to exceed $1000 for any vehicle or piece of property. The report must be submitted on Form DR 41, Aug 03 which is available through any state or local law enforcement authorities.

Failure to report a crash as required, is unlawful and persons in violation shall be guilty of a Class II or III misdemeanor and may have their license or privilege to drive revoked.