The state of Nebraska requires drivers to carry basic liability insurance. They mandate that you have $25,000 in personal injury or death for each person in an accident with a total of $50,000 per accident. Additionally, you must have $25,000 for damage to personal property. This is a fundamental amount of coverage. If you lease a vehicle or have an auto loan, your lender or lessor will require that you have additional coverage to protect the car that they have a vested interest in. When it comes to covering your vehicle, it is good to have an agent to discuss what is important to you. The Richards Insurance Agency in Lincoln, NE will be here for you when you are ready to discuss what coverage you want and need.
As to why you should carry collision and comprehensive auto insurance, it covers your vehicle in the event it is damaged or stolen. If your car has significant value or is valuable enough that it would be hard for you to replace it out of your own pocket, having this kind of coverage makes all the difference. Most people count on their vehicles to do pretty much everything. Unless you live downtown in a city, it can be challenging to get to work, go shopping, and to do all the things one normally does every day. The cost of auto repairs can be quite prohibitive, and have the cash or credit available can be difficult.
If your vehicle is damaged, you will be provided with a rental car until the repairs have been completed. This can make going about the business of daily life much more comfortable and convenient—another good reason to carry collision and comprehensive coverage.
If you would like to discuss your auto coverage, The Richards Insurance Agency in Lincoln, NE is looking forward to helping you. Call our office or stop by and we will provide a no-obligation quote.