Nebraska DUI Laws

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After drivers break Nebraska DUI laws, the Department of Motor Vehicles (DMV) will be notified and they will add the fact that there has been a DUI conviction to the offenders’ driving records. Car insurance companies pull their clients’ driving records at least once a year and when they discover the DUI conviction on these records, they either raise these people’s rates or they cancel their policies. It’s at this point that drivers need to compare cheap car insurance quotes with our ZIP code search. Enter your ZIP code and start finding ways to save TODAY!

Welcome to Nebraska

How to Compare Car Insurance Quotes

To be able to make the fairest comparisons when people are filling out their questionnaires, they need to make sure that they select the same type of coverage for the same limits. Insurance companies are required to sell policies for the state’s required minimum insurance coverage, but people who have broken Nebraska DUI laws may wish to purchase extra coverage.

The State of Nebraska’s Minimum Requirements

The state’s minimum requirement for liability insurance are as follows:

  1. $25,000 for bodily injury liability coverage for one person,
  2. $50,000 for bodily injury liability coverage for everyone hurt in the collision,
  3. $25,000 for property damage liability coverage for all property damaged in the car crash.

Nebraska Is an At-Fault State

The fact that Nebraska is an at-fault state means that someone has to be found to have been the cause of the car crashes that occur on the roads. In the event that drivers who have been convicted of breaking Nebraska DUI laws are the ones found at fault, they will be required to pay for all medical bills of everyone hurt in the accident; they will also have to pay funeral expenses if anyone were to unfortunately pass away. Anyone from Nebraska should make sure they know the state’s car insurance laws!

Because the minimum requirements listed above may not be sufficient to meet the obligation to pay everyone, anyone who can’t file a claim with the insurance company has the right to sue the driver. This means that people who have broken Nebraska DUI laws could have several people suing them in court for payment of their expenses. Compare Nebraska car insurance and find the best ways to save on your bills!

Purchasing More than the Minimums

People who have broken Nebraska DUI laws have spent time in court already and they may not be anxious to return. They may have had to deplete their savings accounts to pay fines and court costs and if they had to hire a DUI attorney, they have legal bills to contend with; these people can ill-afford to have several civil court cases filed against them.

To prevent the possibility of being sued by several people hurt in a car collision they have caused, drivers who have broken Nebraska DUI laws have the option of purchasing more than the state’s mandatory minimums. They may resist doing so, because auto insurance for those with DUI convictions costs more than auto insurance for those without DUIs on their records, but it may be worth it.

Insurance for Medical Payments and Collision Coverage

Liability insurance covers the medical expenses and property damages done to a third party, this person’s vehicle and the passengers. Pedestrians hurt on the streets and city or private property such as light poles and landscaping will also be included, but there will be nothing for the at-fault driver. Those who have broken Nebraska DUI laws may wish to add Medical Payments insurance to pay for their own and their passengers’ medical expenses; collision coverage will pay to repair or replace their vehicles. Find the best and cheapest car insurance by using our ZIP code search!

The Recommended Limits for Liability Coverage

Experts within the insurance industry, such as the Insurance Information Institute, agree that people need at least $100,000 bodily injury coverage for one person and $300,000 for everyone hurt in the accident; they also suggest at least $100,000 for property damage liability for all damages to property.

Comparing Auto Insurance Quotes

The insurance industry’s suggestions for liability coverage will cost the insured more than the state’s minimum requirements but for people who have been convicted of breaking Nebraska DUI laws, it’s better to pay more for state car insurance than have to end up in court again. They don’t have to fear seeking this much coverage if they seek the assistance of a comparison website.

People who have broken Nebraska DUI laws will inform the comparison website that they are looking for DUI insurance for the liability and optional coverage they desire. They will quickly receive several quotes from insurance companies that can offer them this coverage, and they will choose the companies that offer the lowest quotes. This free service is a great way to easily find adequate and affordable car insurance coverage for those with DUIs on their records.

What Are Nebraska DUI Laws?

In order to be convicted of breaking Nebraska DUI laws, drivers will have been stopped because a law enforcement officer had a reasonable suspicion that the driver was conducting the vehicle under the influence of a controlled substance. They have given their implied consent to give their blood, breath or urine for a chemical test by becoming licensed drivers.

If the results of the chemical test show that the drivers have a Blood Alcohol Content (BAC) of .08 or more, they will be arrested for Driving Under the Influence (DUI). If the drivers are under 21, they will be arrested if their BACs are equal to or higher than .02. Those driving commercial vehicles such as taxis, buses or limousines can be arrested with a BAC equal to .04 or higher.

By adding more liability coverage as well as coverage for their own expenses if they have been found to be the cause of a car crash, people who have broken Nebraska DUI laws will be asking for very high premiums. To force these premiums down, they must compare the quotes from several insurance companies. They can do this easily by seeking the services of a free comparison website which will give them the ability to choose from the lowest premiums. Enter your ZIP code below and find low cost car insurance for your specific needs!

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