Do I have to list
my children on the policy as drivers?
Yes, companies require all drivers, regardless
of age to be listed on the policy.
Can I write collision
coverage without comprehensive coverage?
No. You can write comprehensive coverage
without collision, but companies require that you carry comprehensive
coverage if you wish to carry collision coverage.
Do I have to have
uninsured and underinsured motorists coverage on my auto policy?
Yes. The State of Nebraska requires all
auto insurance policies provide uninsured and underinsured motorists
coverage.
Why do agents recommend
higher limits that the State's requirements of $25,000/$50,000
for bodily injury and $25,000 for property damage liability?
The minimum limits that the State requires
for liability coverage is often insufficient to pay for the bodily
injury sustained in an accident or to pay for the property damage
done in an accident.
Should I carry physical
damage coverage on my older vehicles?
Insurance companies recommend that once
a vehicle is 10-15 years old, you may want to consider the age,
condition and value of the vehicle to see if you still want comprehensive
and collision coverage on your vehicle. By the time your pay for
the coverage and apply a deductible, you may have exceeded the
value of your vehicle.
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