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Find out how auto insurance works to protect you and your vehicle on the road.
Get coverage to protect the vehicle you rely on.
Eric Luebbe Insurance is a trusted auto insurance provider serving Blair, NE, and our friendly and knowledgeable team can guide you to the right insurance coverage for your needs. Auto insurance is mandatory in almost every U.S. state, and while you may be tempted to save money and go with the cheapest coverage, it can be devastating when you have a claim and don’t have adequate coverage, which can leave you in a financial bind that may be difficult to recover from. Your vehicle helps you navigate life, getting you safely and reliably to the places you need to be. If it is damaged or unusable, it can create hardship, such as being unable to get to work, run errands, get to school, and in countless other ways. You need your vehicle.
What is the minimum coverage required?
In Nebraska, no matter who causes the accident, a portion will be the responsibility of either party. This means a driver may still be able to recover damages from you, even if they were the ones at fault. Therefore, Blair, NE residents want insurance coverage that will fully protect them, no matter what. As an auto insurance provider in Blair, NE, Eric Luebbe Insurance will work closely with you to find an auto policy that suits your exact needs.
How does bodily injury liability cover you in a car accident?
Bodily injury liability insurance pays for injuries you cause to others. Auto accidents can be devastating. Even the most careful driver can make a misstep and find themselves in a situation where they are financially responsible for the medical bills of another. If you don’t have adequate coverage in Blair, NE, you can face monumental debt. If you cause an accident in Blair, NE, you need protection that will cover you. A good rule of thumb is to buy enough liability insurance to cover what can be taken from you in a lawsuit or equal to your assets.
What is uninsured/underinsured motorist coverage?
Uninsured motorist coverage is mandatory in many states. This type of coverage pays for medical bills and other expenses if someone else is the cause of the accident, but doesn’t have insurance. It will help you and your passengers if someone hits you and doesn’t have enough insurance to pay for damage or injuries. Although having auto insurance is the law in Nebraska, some drivers still drive uninsured. Your uninsured motorist policy will protect you if an uninsured motorist hits you.
Protect your vehicle with auto insurance add-ons.
You may need insurance that will go beyond a basic policy.
Consider the following auto insurance add-ons:
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Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Collision and comprehensive
Required if you are financing or have a lease. If your car is paid for, you still want coverage that will protect you in case of collision, theft, storm or fire damage, vandalism, and collisions with animals. Your policy needs to be specific as to what your coverage needs are. If your car is new and you are in an accident and don’t have full replacement coverage, you may find you cannot replace it and are left with a gap between what it will cost to replace and what the insurance company will pay.
Diminished value
If you are in an accident and have your car repaired, it will be worth less than before, even if fully restored. Ask about a diminished value claim that will pay the difference in the value of your vehicle or a vehicle you hit before and after the accident.
Special vehicle coverage
If you own a classic car or a unique automobile, you need special coverage that provides complete protection.
While lower premiums may look attractive, it’s important to ensure you have the complete coverage you need. Contact our experienced team of auto insurance providers for Blair, NE today. At Eric Luebbe Insurance, we will tailor an auto insurance package for your needs that will protect you and your vehicle and give you priceless peace of mind.
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