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Nebraska Auto Insurance & Crash Law Library
A public legal education and research library for Nebraska automobile insurance, mandatory UM/UIM, comparative negligence, insurer duties, damages, settlement and controlling authority.
Nebraska State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Nebraska guide that answers the next coverage, liability, damages, insurer-conduct or settlement question.
Getting Started in Nebraska
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative negligence, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical-payment and reimbursement issues, and settlement.
Case Authority
Nebraska statutes and appellate authority organized by issue.
Guide 01 · Nebraska Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first, then use the Nebraska guide matching the next question. Keep the claim against a responsible party separate from your own insurance benefits and reimbursement questions.
List the drivers, owners, employers, claimants and potentially responsible entities. Use Guide 14, Guide 15 or Guide 16 when the vehicle’s use requires a separate inquiry.
Start with Guide 03, then read Guide 05 and Guide 06. Collect the declarations and endorsements; do not assume every policy limit can be added together.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and medical chronology. Keep a separate deadline calendar and preserve the records relevant to Guide 17 rather than accepting an unsupported fault percentage.
Review Guide 21, Guide 22 and the case-authority library. Check official sources, remaining insurance and the proposed release before a final decision.
Nebraska Current-Law Snapshot
Issues to identify early
25 / 50 / 25 minimum liability
Nebraska’s current minimum liability limits remain 25/50/25. The 2026 proposal to increase them to 50/100/50 was indefinitely postponed April 17, 2026.
Mandatory UM/UIM
Qualifying policies include at least 25/50 uninsured and underinsured motorist protection under Nebraska’s statutory framework.
Modified comparative negligence
Claimant negligence equal to or greater than the defendant-side total bars recovery under Neb. Rev. Stat. § 25-21,185.09.
Statutory priority and anti-stacking
Nebraska establishes UM/UIM priority and limits multi-policy recovery to the highest applicable single-policy limit.
MedPay optional
Nebraska does not require PIP; optional medical-payments coverage depends on the policy.
TNC coverage is statutory
Current Nebraska TNC law includes 25/50/25 app-open coverage and $1 million engaged/passenger liability coverage.
Primary Research
Official Nebraska research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Nebraska Legislature
Open statutes →Nebraska Department of Insurance
Open regulator →Nebraska DMV
Open DMV →Nebraska Judicial Branch
Open courts →Nebraska State Patrol
Open State Patrol →Nebraska Rules and Regulations
Open rules →Specific starting points include § 60-509 (liability limits), § 44-6408 (UM/UIM), § 44-6411 (multiple policies) and the official LB793 history. A bill proposal is not enacted law.
How this library stays current
Build the complete Nebraska coverage and claim map
Identify every liable party and policy, mandatory UM/UIM and statutory priority, employer/rideshare/public-entity issues, comparative negligence, evidence, damages, insurer conduct, medical-payment/reimbursement interests and release consequences before claim closure.
Do not let one insurance card define the available recovery.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.