Omaha, NE motorists must carry certain types of minimum amounts of insurance coverage. Additionally, all drivers must have proof of insurance with them when driving a vehicle. One of those requirements is purchasing uninsured and underinsured motorist coverage. This policy compensates you for injuries you have from an accident when the other driver is uninsured or does not have sufficient insurance. For additional information about uninsured and underinsured motorist coverage, call the agents at Ed Thompson Insurance Agency.
Nebraska Auto Insurance Minimums
State law dictates how much insurance Nebraska motorists must purchase. These insurance options are the bare minimum motorists must have; however, there are many other options available providing greater insurance protection. The current minimum requirements include:
- Bodily Injury Liability Coverage — $25,000 per person and $50,000 per accident
- Property Damage Liability Coverage — $25,000 per accident
- Uninsured/Underinsured Motorist Bodily Injury Coverage — $25,000 per person and $50,000 per accident
Why Carry Uninsured and Underinsured Motorist Coverage?
Accidents can happen without warning, and every claim is unique. That is why state minimums are set to ensure all drivers on the road carry some form of auto insurance. However, not everyone follows the rules. Uninsured and underinsured motorist coverage protects you against those who do not have the proper insurance coverage. This policy covers you from financial disaster having to pay medical expenses related to an accident someone else who does not have insurance caused.
According to the Insurance Research Council, there are more than 95,000 drivers in Nebraska without auto insurance. If you live in Omaha, NE, and would like additional information about uninsured and underinsured motorist insurance coverage, call to speak with an agent at Ed Thompson Insurance Agency.