NEBRASKA GUIDE 05
Nebraska Uninsured & Underinsured Motorist Coverage
Nebraska requires uninsured and underinsured motorist coverage for bodily injury on covered motor-vehicle liability policies. Neb. Rev. Stat. § 44-6408 requires minimum limits of $25,000 for injury or death to one person and $50,000 for injury or death to two or more persons in one accident for both UM and UIM coverage.
- Obtain the declarations page and every UM/UIM endorsement for all potentially applicable policies.
- Identify who qualifies as an insured under each policy before assuming coverage follows only the occupied vehicle.
- Review offsets, exclusions, priority, subrogation and settlement provisions before releasing a liability claim.
- Evaluate higher limits, household policies, employer policies and umbrella or excess coverage where applicable.
Primary Nebraska Sources
- Neb. Rev. Stat. § 44-6408 — UM/UIM Coverage
- Nebraska Department of Insurance — Auto Insurance Coverage
Current-law review: September 16, 2026. Coverage depends on the policy, insured status, damages, liability payments and current Nebraska law.
VictimsGuide 