Nebraska requires car insurance for all drivers driving the streets, roads and highways to have at least liability car insurance. The required minimum liability car insurance for Nebraska is $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of two or more persons per accident and $25,000 for property damage coverage. Aside from the minimum required liability coverage, it is also advisable for you to purchase additional coverage for your car. You might want to consider buying the collision and comprehensive coverage since the required car insurance for Nebraska does not cover the damages to your car. The collision coverage pays for damages to your car incurred in an accident while the comprehensive pays for the other damages not in result from car accidents, such as theft.

Proof of financial responsibility is proof that the driver has valid motor vehicle insurance in case there is an accident. The proof of financial responsibility is the SR-22 Certificate of Insurance. You will be required to have this certificate if you have accumulated a certain amount of points on your record, if you were convicted of driving while intoxicated, or if you have not maintained car insurance in the past. If you have had your drivers license suspended for either of the listed reasons before you can have your new drivers license you will need this certificate.

The SR-22 contains your policy number, the date of your coverage, the name of your Nebraska car insurance provider and it must be signed by the authorized representative of your insurance company. Your insurance company will also send or deliver your SR-22 to the Nebraska DMV. The Nebraska DMV tracks all the insurance information of those who are required to have the SR-22.

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