Insurance Requirements Flashcards

What does uninsured motorist coverage protect you from in Nebraska?

Answer: Injuries and damages you suffer when the at-fault driver has no insurance

Uninsured motorist coverage pays for your injuries and, in some cases, property damage when the driver who caused the accident has no insurance.

In Nebraska, if you lend your car to a friend and they cause an accident, whose insurance is primarily responsible?

Answer: Your insurance as the vehicle owner is primarily responsible

In Nebraska, auto insurance follows the vehicle, so the car owner's liability insurance is the primary coverage when a permitted driver causes an accident.

Which type of coverage pays for damage to your own vehicle from a collision with another car or object, regardless of fault?

Answer: Collision coverage

Collision coverage pays for repair or replacement of your vehicle when it is damaged in a collision with another vehicle or object, regardless of who is at fault.

Which type of coverage pays for vehicle damage caused by events such as hail, flooding, fire, or theft?

Answer: Comprehensive coverage

Comprehensive coverage protects your vehicle from damage caused by non-collision events such as weather, theft, vandalism, and animal strikes.

After a minor accident in Nebraska, what information should you exchange with the other driver?

Answer: Name, contact information, driver's license number, and insurance information

After an accident, Nebraska drivers should exchange names, addresses, driver's license numbers, and insurance information (company and policy number) with all involved parties.

When purchasing a new or used vehicle in Nebraska, how long do you typically have to add it to your existing auto insurance policy?

Answer: 14 days

Most Nebraska insurers allow a grace period of approximately 14 days to add a newly acquired vehicle to an existing auto insurance policy, though this varies by insurer.

If you allow your auto insurance to lapse in Nebraska, the best immediate action is to:

Answer: Contact your insurer or a new insurer immediately to restore coverage and avoid suspension

Contacting your insurer immediately to reinstate or obtain new coverage is critical to avoid driving uninsured and the resulting fines and license/registration suspension.