Nebraska is not a no-fault state for car insurance purposes. Instead, it has adopted a tort system, which means that people who have been injured have the right to sue to collect damages for pain and suffering and for economic loss as the result of an accident.
Drivers in the state are required to have third party liability protection in place to pay for damages that they are responsible for causing in an accident. While a car insurance buyer can choose to purchase only the minimum level of coverage required by law, doing so may not provide enough protection to fully pay for the cost of medical bills and other expenses incurred by the accident victims.
A much wiser choice is to buy a policy with a higher level of protection to lower the risk of being personally responsible for paying for damages caused in an accident. If the at-fault driver doesn’t have enough insurance in place, his or her policy will pay out up to its limit. Any amount that remains owing above this figure is the personal responsibility of the at-fault driver.
Shopping around for coverage means that a Nebraska car insurance buyer can find the right level of coverage for his or her needs while still keeping costs down. Going online is a great way to find a company that can offer the lowest rates on Nebraska car insurance coverage.