Nebraska · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Nebraska: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Every Nebraska policy includes uninsured and underinsured motorist coverage for bodily injury (at least 25/50). Required: uninsured and underinsured motorist coverage of at least $25,000 per person / $50,000 per accident must be included in every policy.

Uninsured motorist (UM) coverage
Required
Minimum liability
25/50/25
Insurance system
Fault (tort)

Uninsured motorist coverage in Nebraska

Uninsured / underinsured motorist (UM/UIM)
Required: uninsured and underinsured motorist coverage of at least $25,000 per person / $50,000 per accident must be included in every policy. You can ask for higher limits, up to $100,000/$300,000.
Liability minimum
25/50/25
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Nebraska

  • Every Nebraska policy includes uninsured and underinsured motorist coverage for bodily injury (at least 25/50).
  • If the at-fault driver has no insurance, you can make an injury claim under your own policy.
  • Car damage from an uninsured driver is covered only if you have collision coverage.

How fast an insurer must handle a claim in Nebraska

  • Neb. Rev. Stat. § 44-1540 makes it an unfair claims settlement practice to fail to acknowledge claim communications with reasonable promptness or to fail to adopt standards for prompt investigation.
  • The statute sets no fixed number of days.

Claiming from the uninsured driver in Nebraska

Small claims limit for car damage in Nebraska: $7,500 since July 1, 2025 (not counting interest and costs). Nebraska small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Nebraska

  1. Report the crash to the police. Nebraska law doesn't say you must call police for every crash. Reporting a crash in Nebraska and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Nebraska it is required.
  4. If your coverage doesn't pay everything, sue the driver before the deadline: 4 years for both property damage and injury. Deadlines to sue in Nebraska, with the calculator

Free help in Nebraska

Questions about uninsured drivers in Nebraska

Is uninsured motorist coverage required in Nebraska?

Required: uninsured and underinsured motorist coverage of at least $25,000 per person / $50,000 per accident must be included in every policy. You can ask for higher limits, up to $100,000/$300,000.

What can I do if an uninsured driver hits me in Nebraska?

Every Nebraska policy includes uninsured and underinsured motorist coverage for bodily injury (at least 25/50). If the at-fault driver has no insurance, you can make an injury claim under your own policy. Car damage from an uninsured driver is covered only if you have collision coverage.

What is the minimum car insurance in Nebraska?

25/50/25

How long do I have to sue an uninsured driver in Nebraska?

4 years for property damage and 4 years for injury.

How fast must an insurer handle a car insurance claim in Nebraska?

Neb. Rev. Stat. § 44-1540 makes it an unfair claims settlement practice to fail to acknowledge claim communications with reasonable promptness or to fail to adopt standards for prompt investigation. The statute sets no fixed number of days.

More for Nebraska drivers

Nearby states

Sources

Last checked: Oct 24, 2026.