- 402-614-3307
- 402-614-3307
Owning a vehicle comes with some risks. That is why every driver in Nebraska is required to carry auto insurance. Even if you have been driving for ten years and have never encountered a single accident, that does not exempt you from carrying insurance. Even when you are highly skilled, you cannot say the same about the other drivers you encounter in Omaha, NE. As Insurance Solutions of Omaha offers coverage, here is what auto insurance covers.
Bodily injury liability protects you when you cause an accident and injure someone. The policy will help cover various medical expenses like doctor visits, ongoing care, ambulance rides, and medication. Also, the coverage can help pay the legal fees if the injured party chooses to sue.
Unlike bodily injury, this applies to properties you might damage in an accident. The coverage will help pay to replace or repair the damaged property.
When your vehicle collides with another car or object, the policy will help cover the repairs to your car. And while this type of policy may not be compulsory in Nebraska, some lenders will require you to get it if you take a loan to finance the car.
This policy covers non-collision accidents such as theft, vandalism, fire, and falling objects like trees or hail.
You may get into a car accident where the driver at fault does not have enough insurance or completely lacks it. This type of policy is there to protect you in such cases. It will help cover repairs to your vehicle and cover the medical expenses if you are injured.
If you own a car in Omaha, NE, and want to learn more about auto insurance coverage, contact Insurance Solutions of Omaha. Depending on your insurance needs, we can tailor a policy that helps protect you and your car.
Nebraska law requires drivers to carry at least 25/50/25 liability coverage, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage, along with matching uninsured motorist coverage. Because a single serious accident can easily exceed these minimums, our agents often recommend higher limits, like 100/300/100, to better protect your savings.
Rates in Omaha tend to run slightly higher than the Nebraska state average, though they're still more affordable than in many neighboring states. Your actual premium depends on factors like your age, driving record, vehicle, and coverage level, so getting a personalized quote is the best way to know what you'll pay.
Insurers weigh things like your driving record, age, credit history, location, vehicle type, annual mileage, and the coverage level you choose. Some factors, like your driving record and deductible, are within your control, while others, like your age or ZIP code, aren't, which is why comparing quotes from multiple carriers can make a real difference.
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