Nebraska SR-22 Insurance
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UPDATED: Nov 2, 2020
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What is Nebraska SR-22 Insurance?
A Nebraska SR-22 is a form filed with the DMV showing that a driver maintains adequate financial responsibility for any damages that may be incurred during the operation of a motor vehicle. Keeping the minimum insurance requirements on the vehicle does this.
Six major factors affect car insurance rates in Nebraska. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a NE DUI.
Who Needs SR-22 Insurance in Nebraska?
The State of Nebraska mandates that any driver that has had their license suspended for any reason must have a Nebraska SR-22 auto insurance form on file. Drivers that fail to keep their insurance policy current are also required to file one. Additionally, a driver that has not met all the expenses from a previous car accident due to underinsurance must keep a Nebraska SR-22 car insurance form on file.
Are There Different Types of Nebraska SR-22 Forms?
Yes, you may have an Operator’s Certificate, an Owner’s Certificate, or an Operators-Owner’s Certificate depending on whether you own one or several cars or none at all.
Is SR-22 Car Insurance Required in Nebraska?
If you fall into one of the categories that require a Nebraska SR-22 auto insurance form you will be required to maintain one on file for three years. To be sure you are compliant with the minimum insurance requirement you must at all times maintain at least $25,000 for injuries to one person, $50,000 for injuries to more than one person in any one accident, and $25,000 for damage to property that is not yours. There is no option to having a Nebraska SR-22 car insurance form. The form must be filled out and sent directly from your insurance company, the DMV will not accept a faxed or photocopy of the Nebraska SR-22 car insurance form.
How Do I File a Nebraska SR-22 Insurance Form?
To file a Nebraska SR-22 auto insurance form you will need to request one from your insurance provider. Most insurance companies will ask if one is needed when you first apply for insurance. The company will fill out the form and send it by mail to the DMV. There will be an additional charge to your insurance policy for this. To find out how much extra it will cost you to have NE SR-22 insurance, fill in your information.