Nebraska Auto Insurance Quotes and
Coverage Guide
Nebraska Motor Vehicle Insurance
Questions & AnswersQ: Is
auto insurance mandatory?
A: Although Nebraska is way big into corn
(cornhuskers, corn-fed beef, corn liquor, corn-y
jokes, etc.), the state also has a deep interest in
auto insurance, which is required to be carried on
all vehicles registered in the State of Nebraska
with the following exceptions:
-- All trailers
-- Snowmobiles
-- Boats
-- 30-day plated vehicles
-- Dealer-plated vehicles
-- Campers on the back of trucks (BUT: Proof is
required for the truck on which the camper is
placed.) Duh.
Q: Is Nebraska a "tort" state?
A: Yes. Nebraska’s auto insurance works under
the tort system, which means there are no
restrictions on lawsuits and has absolutely nothing
to do with corn. Unless you hit someone in a
cornfield while doing donuts or making crop circles
with your car. The other driver and the other
driver’s passengers can sue a policyholder at fault
in a car crash for the pain and suffering the
accident caused as well as for out-of-pocket
expenses such as medical costs.
Q: What type of insurance is required to purchase
and maintain a Nebraska tag and registration?
A: You will need minimum liability insurance
coverage of 25/50/25 to get your vehicle tagged and
registered. The first two figures refer to bodily
injury liability and the third figure to property
damage liability. In Nebraska, this means coverage
up to $50,000 for all persons injured in an
accident, subject to a limit of $25,000 for one
individual, and $25,000 coverage for the cornfield
you destroyed trying to gain attention from the
UFOlogists. As to why you were doing donuts: Who
knows?
Q: Can I maintain my current policy issued in my
previous state of residence?
A: Only for the first 30 days you are here,
then you need to get fixed up with a
Nebraska-licensed insurer. Unless you’re just bent
on paying for a policy you can’t use here. And if
you’re that whacked out, maybe you need to go back
to making crop circles.
Q: What if I fail to keep insurance on my vehicle
that I’ve registered in Nebraska?
A: You are subject to having your driver's
license suspended along with your vehicle tag and
registration for up to three years or until proof of
Nebraska insurance is provided,
Q: What if I fail to keep insurance on my vehicle
that I’ve registered in Nebraska?
A: Your operator’s license and/or operating
privileges will be automatically suspended when you
have been convicted/found guilty of a citation for
No Proof of Insurance. Citations for No Proof of
Insurance are given to the owner of the vehicle –
therefore: If you did not own the vehicle you were
driving, DO NOT plead guilty to the ticket! (Duh,
again.) If you ARE the owner, to get back on the
right track with the state, here is what you need to
do:
-- File proof of financial responsibility, which has
to stay on file for three (3) years from the date of
the citation/violation. This is normally provided in
the form of an SR-22 Certificate of Insurance you
have to get from your insurer. Failure to comply
with this requirement would result in the suspension
of the operating privileges for an Insurance
Cancellation.
-- Pay a $50.00 reinstatement fee. Payment of the
reinstatement fee needs to be in the form of a
cashier’s check, bank draft, money order made
payable to the Department of Motor Vehicles. This
office does not accept personal or business account
checks or ears of corn. Once reinstated, you will
receive a letter of clearance from this office. Do
not drive beforehand, or you’ll just have to go
through a lot of rigmarole again, which may cause
you to have a breakdown and start doing really
strange things with corn.
Q: I am not a resident of Nebraska but I visit
for several months during the year. Do I need
Nebraska insurance?
A: Non-Residents of the State of Nebraska who
own a vehicle that is properly registered in their
home state and displays the appropriate license
plates may operate the vehicle in the this state for
thirty (30) days without registering the vehicle or
paying any fees in this state, provided they’re not
caught out in a cornfield acting like idiots.
After they have been present in the State of
Nebraska for thirty (30) or more continuous days,
they must register the vehicle in the same manner as
a resident of the state, but should probably just
stay the heck out of cornfields.
EXCEPTION -- If Nebraska has reciprocity (a
cooperative exchange of rights and privileges) with
the home state of the Non-Resident; the plates
displayed on the vehicle will be valid in Nebraska
until they expire, or if and until the Non-Resident
is caught crop-circling in a cornfield. Upon
expiration, the owner of the vehicle will be
required to register the vehicle in Nebraska.
Nebraska currently shares reciprocity with two
states: North Carolina and Wyoming.
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