The state of Nebraska has minimum auto insurance coverage requirements for every driver on the road. These laws ensure that you will have insurance to cover the damages to another person’s property or their medical costs if you cause an accident. While you should maintain that minimum coverage, it’s also wise to add the options below. Doing so will significantly mitigate your risk and protect your financial future.

How Is Supplemental Auto Insurance Beneficial?

1. Uninsured & Underinsured Motorist

This policy reimburses you if you are in a collision caused by someone who does not have the coverage needed to cover your costs. For example, it will protect you if you are in a hit-and-run or if the person at fault for the accident does not have insurance. It may also pay the difference if they have insurance, but their policy limits aren't equal to your needs.

2. Comprehensive

Comprehensive coverage will pay for damages to your vehicle from an incident that is not collision-related. This includes situations such as theft, vandalism, fire, and storm damage. It will also pay for repairs if a tree falls on your car. If the vehicle is totaled, your provider may give you its cash value before the incident so that you can purchase another comparable car.

3. Personal Injury Protection

Often referred to as PIP, this coverage will help pay for your medical expenses after an accident, even if you were at fault. This coverage is unique from medical payments coverage because a wider range of costs qualify. In addition to the health expenses, for example, this policy may pay you for child care while you’re in the hospital or for lost income during your recovery.

The team at Allstar Insurance will help you find the types of coverage you need within your budget. Since 1995, they have been the trusted auto insurance provider for drivers in the Lincoln, NE, area. They specialize in high-risk insurance needs, helping provide you with a safety net no matter your driving background. To better serve their customers, their team also speaks Spanish. Learn more about their offerings on their website. Call (402) 477-0900 for a free quote.