{"id":374667,"date":"2016-10-10T16:17:33","date_gmt":"2016-10-10T21:17:33","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/nebraska-law\/nebraska-car-accident-compensation-laws.html"},"modified":"2025-01-03T11:28:00","modified_gmt":"2025-01-03T16:28:00","slug":"nebraska-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/nebraska-law\/nebraska-car-accident-compensation-laws.html","title":{"rendered":"Nebraska Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-8f761849 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Nebraska Car Accident Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/susan-buckner-j-d\/\">Susan Buckner, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">Garrett Monteagudo, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 03, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Nebraska car accident laws exist to help accident victims recover a fair settlement after a serious accident. Nebraska is an at-fault state, so drivers must file claims with the other driver&#8217;s insurance company to recover damages. Nebraska also follows a modified comparative negligence rule. Drivers must be less than 50% at fault in an accident to file a personal injury lawsuit.<\/p>\r\n<p>These restrictions mean claimants need a good <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/nebraska\/\" target=\"_blank\" rel=\"noopener\">personal injury attorney<\/a> and an understanding of Nebraska&#8217;s car accident compensation laws.<\/p>\r\n<h2><b>Nebraska Car Accident Compensation Laws<\/b><\/h2>\r\n<p>Nebraska uses an at-fault system for car accident claims. In an at-fault system, drivers must file insurance claims with the other driver&#8217;s insurance company. Insurance adjusters review the accident reports and insurance claims and then determine fault.<\/p>\r\n<p>Nebraska requires drivers to carry minimum liability insurance or <a href=\"https:\/\/dmv.nebraska.gov\/dvr\/ins-req\" target=\"_blank\" rel=\"noopener\">proof of financial responsibility<\/a>, meaning they can pay claims in the event of a car crash. Drivers must either have a certificate of deposit in the amount of $75,000 with the state or auto insurance:<\/p>\r\n<ul>\r\n<li>$25,000 bodily injury coverage<\/li>\r\n<li>$50,000 total accident coverage<\/li>\r\n<li>$25,000 property damage liability coverage<\/li>\r\n<\/ul>\r\n<p>Nebraska drivers must also have <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/uninsured-motorist-insurance-coverage-and-claims.html\">uninsured\/underinsured motorist coverage<\/a>. This coverage pays for your injuries if the at-fault driver does not have enough insurance to pay your damages.<\/p>\r\n<h2><b>Comparative Negligence<\/b><\/h2>\r\n<p>Nebraska uses a <a href=\"https:\/\/codes.findlaw.com\/ne\/chapter-25-courts-civil-procedure\/ne-rev-st-sect-25-21-185-09\/\" target=\"_blank\" rel=\"noopener\">modified comparative negligence<\/a> rule. In most car accident cases, each driver shares some responsibility for the collision. For instance, one driver may have been speeding and run a red light, but the other may not have been wearing a seat belt. Comparative negligence laws allow a driver to recover some compensation for their injuries even if they were partially at fault.<\/p>\r\n<p>Nebraska&#8217;s modified negligence rule requires a party to be less than 50% at fault for their car accident injuries or damage. A party may be 49% responsible and still recover, but if they are 50% responsible, they cannot recover.<\/p>\r\n<p>The percentage of fault reduces the amount of damages. A driver who is 20% liable can recover 80% of their damages <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/after-a-car-accident.html\">after a motor vehicle accident<\/a>.<\/p>\r\n<h2><b>Types of Damages<\/b><\/h2>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-kinds-of-damages-may-i-claim-for-car-accident-injuries.html\">Damages<\/a> are the <a href=\"https:\/\/codes.findlaw.com\/ne\/chapter-25-courts-civil-procedure\/ne-rev-st-sect-25-21-185-08\/\" target=\"_blank\" rel=\"noopener\">objective and subjective losses<\/a> you suffer after an auto accident. According to Nebraska statutes, your attorney asks for two types of damages in a personal injury claim.<\/p>\r\n<p><b>Economic damages<\/b> are monetary losses, including:<\/p>\r\n<ul>\r\n<li>Medical expenses, hospital bills, and rehabilitation<\/li>\r\n<li>Lost wages and future income<\/li>\r\n<li>Property damage and repairs<\/li>\r\n<\/ul>\r\n<p><b>Non-economic damages<\/b> are intangible costs, such as:<\/p>\r\n<ul>\r\n<li>Pain and suffering<\/li>\r\n<li>Emotional distress<\/li>\r\n<li>Disability and disfigurement<\/li>\r\n<\/ul>\r\n<p>Nebraska&#8217;s Constitution does not allow <b>punitive damages<\/b> in civil suits, no matter how malicious or reckless the at-fault driver may be.<\/p>\r\n<h3><b>Limits on Damages<\/b><\/h3>\r\n<p>Nebraska does not cap recovery for economic or non-economic damages. The constitution considers excessive damages (such as <a href=\"https:\/\/dictionary.findlaw.com\/definition\/damage.html\" target=\"_blank\" rel=\"noopener\">treble damages<\/a>) beyond reasonable economic damages to be &quot;punitive&quot; and thus unconstitutional.<\/p>\r\n<p>Nebraska&#8217;s <a href=\"https:\/\/www.findlaw.com\/state\/nebraska-law\/nebraska-civil-statute-of-limitations-laws.html\">statute of limitations<\/a> for personal injury and property damage is four years from the date of the accident. You have two years for claims against law enforcement or government actors, such as public transit (Nebraska Revised Statute <a href=\"https:\/\/codes.findlaw.com\/ne\/chapter-25-courts-civil-procedure\/ne-rev-st-sect-25-218.html\" target=\"_blank\" rel=\"noopener\">\u00a7 25-218<\/a>).<\/p>\r\n<h2><b>Need Legal Advice? Contact a Nebraska Car Accident Lawyer<\/b><\/h2>\r\n<p>Nebraska&#8217;s insurance requirements and comparative fault system make it difficult to file your insurance claim if you don&#8217;t know all the rules. If you&#8217;ve been in an accident, get legal advice from an experienced <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/nebraska\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Nebraska injury law attorney<\/a>.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" 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19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n         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for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n               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<span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. 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requirements.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":374655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2743],"tags":[],"state_laws_tags":[3162],"flmsa":[],"class_list":["post-374667","page","type-page","status-publish","hentry","category-state","state_laws_tags-statelaws_28_7"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=374667"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374667\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374655"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=374667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=374667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=374667"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=374667"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=374667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}