The Minimum Amount Allowed by Law

State laws in Nebraska require drivers to have at least a minimum amount of liability auto insurance. The Nebraska car insurance requirements, the minimum amount of coverage allowable by law, is known as a 25/50/25 plan. This means that you must have at least $25,000 for bodily injury liability for one person and $50,000 for bodily injury liability coverage for more than one person per accident and you must also have $25,000 in property damage liability coverage.

The state of Nebraska uses a tort system which means that any time an automobile accident occurs someone must be found to be at fault. The party found to be at fault, or their insurance provider, will be financially responsible for any damages arising from the accident. It is important to keep in mind however that your insurance company will only pay damages up to the amount stated in your policy. If damages exceed the amount stated in your policy you would be responsible for paying the difference.