Whether you are insuring personal or commercial vehicles, you are required by Nebraska state law to carry liability insurance coverage. Nebraska’s minimum coverage requirements are currently set at 25/50/25, which means you must carry a minimum of:
- $25,000 in bodily injury liability coverage per injured person
- $50,000 in total bodily injury liability if more than one person is injured
- $25,000 in property damage liability coverage for any third-party property damage
Failure to carry this mandated insurance can lead to fines of up to $500 and suspension of your drivers license. The state of Nebraska exempts vehicles with dealer plates and those with 30-day plates from this insurance requirement.
State-imposed liability limits were designed to protect drivers from the high costs associated with property damage and medical care in the wake of an accident. In most cases, these amounts provide enough coverage, but accidents that involve serious injuries or fatalities can easily exceed these limits. For this reason, many Nebraskans elect to purchase higher amounts of liability coverage.