Guide to Nebraska’s Uninsured/Underinsured Motorist Coverage

If you suffered injuries in a car accident and the at-fault driver does not have insurance or has insufficient insurance coverage, you may wonder how you will recover damages. With uninsured/underinsured motorist (UM/UIM) coverage, you can receive compensation for your injuries in an accident with an uninsured or underinsured liable party. Nebraska requires a minimum amount of this coverage for all drivers, but claims involving this policy can be complicated.

With more than five decades of experience in personal injury law, Knowles Law Firm understands the complexities of Nebraska’s uninsured and underinsured motorist coverage. Our team has successfully helped clients navigate these often challenging claims, ensuring they receive the protection and compensation they deserve when facing an uninsured or underinsured driver. Our deep knowledge of Nebraska’s insurance requirements allows us to guide you every step of the way and help you make the best decisions for your future.

What Is Uninsured/Underinsured Motorist Coverage?

According to the Insurance Research Council, 6.8% of licensed drivers in Nebraska do not have insurance. With Nebraska being an at-fault state, the driver who caused the accident is responsible for paying damages. Therefore, if an uninsured or underinsured motorist causes a car accident and your injuries, UM/UIM coverage compensates you for your losses. 

Your UM/UIM coverage applies after you have exhausted all means of compensation from the liable party’s insurance policy if they have one. If the at-fault driver has no insurance or has remaining damages that require compensation, you may file a UM/UIM claim under your policy. Our experienced lawyers at Knowles Law Firm understand this process can be confusing, so we handle every aspect of your UM/UIM claim, allowing you to focus on recovery.

How Much Uninsured/Underinsured Motorist Coverage Do You Need in Nebraska?

Like all other states, Nebraska has minimum insurance requirements for all drivers, including UM/UIM coverage. These required minimums include the following:

• Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident.
• Property Damage Liability Coverage: $25,000 per accident
• UM/UIM Bodily Injury Coverage: $25,000 per person and $50,000 per accident.

While this is the minimum required coverage, many people do not carry insurance or have insufficient insurance coverage. Insurance companies offer higher limits to give you more coverage, but it can be challenging to predict how much you need. At Knowles Law Firm, we can help you understand if your UM/UIM coverage applies to your claim and how to recover the compensation you deserve.

How Modified Comparative Negligence May Impact Your Nebraska Uninsured/Underinsured Accident Claim

Even with UM/UIM coverage, claims involving uninsured or underinsured drivers can be complex and have unique challenges, including establishing liability. In many car accident cases, multiple parties share responsibility for the crash, including the victim. The modified comparative negligence system allows you to collect damages even if you were partially responsible. 

With this system, all parties involved receive a percentage of the fault, which gets deducted from their respective damages. Anyone at or over 50% at fault can’t collect any damages. With this percentage in mind, we calculate your claim’s value and determine if your UM/UIM policy will cover your compensation. In some cases, damages may exceed the compensation available through UM/UIM coverage. If this is the case for you, we can help you explore other options, including personal injury claims.

Contact the Experienced Lawyers at Knowles Law Firm to Learn More About Uninsured/Underinsured Motorist Coverage and Claims in Nebraska

Navigating the complexities of uninsured and underinsured motorist coverage in Nebraska can be challenging, especially when dealing with an accident involving a driver who lacks adequate insurance. At Knowles Law Firm, we are dedicated to helping you understand your rights and exploring every option for compensation, regardless of the coverage issues involved. With more than 55 years of experience, our firm has a track record of supporting clients through difficult claims and obtaining multi-million dollar settlements, providing the insight and support they need to secure fair outcomes.

Whether you seek guidance on the specifics of your UM/UIM policy or need representation to handle your claim from start to finish, we’re here to protect your interests. Reach out to Knowles Law Firm to discuss your options at (402) 431-9000 or through our contact form.