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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.
At Eric Luebbe Insurance, we specialize in providing motorists in Elkhorn, NE with comprehensive and liability auto insurance coverage. Our experienced team is dedicated to guiding you toward the most suitable coverage options, ensuring your vehicle remains protected. In Nebraska, auto insurance isn’t just a legal requirement; it’s a necessity for safeguarding your financial well-being. Choosing the cheapest option might seem economical, but it can lead to significant financial difficulties if your coverage falls short during a claim. Your car is more than just a mode of transportation; it’s a vital part of your daily life, facilitating your ability to work, run errands, and more. Any damage or loss of use can significantly disrupt your routine.
What is the minimum coverage required?
In Nebraska, accident responsibility is often attributed to both parties, no matter who caused it. Thus, a driver could claim compensation from you, even if they were primarily at fault. Given this, motorists who need comprehensive and auto liability insurance in Elkhorn, NE seek auto insurance companies that offer comprehensive protection. Eric Luebbe Insurance is dedicated to collaborating with our clients to tailor policies that provide maximum coverage, including comprehensive and liability auto insurance, to Elkhorn, NE motorists.
How does bodily injury liability cover you in a car accident?
Bodily injury liability is a crucial aspect of auto insurance. It covers the costs you might incur for injuries caused to others in an accident. Even the most cautious driver can face unexpected situations, and without adequate coverage in Elkhorn, NE the financial consequences can be severe. It’s prudent to have enough liability insurance to protect your assets in case of legal actions.
What is uninsured/underinsured motorist coverage?
Uninsured motorist coverage, a requirement in many states, is indispensable for your protection. Our Elkhorn, NE auto insurance company offers this coverage to address medical expenses and other costs in accidents caused by drivers who lack sufficient insurance or have no coverage at all. Although auto insurance is mandatory in Nebraska, some drivers risk being uninsured, making this coverage a vital aspect of your policy.
Protect your vehicle with auto insurance add-ons.
You may want to add insurance that extends beyond a basic policy.
Consider including these add-ons to your auto insurance policy:
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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
Essential for financed or leased vehicles, and highly recommended for all others, collision and comprehensive auto insurance in Elkhorn, NE protects against various incidents, including vandalism, theft, collisions, natural disasters, and accidents involving animals. Ensuring your policy is adequately tailored to your needs is crucial, especially to cover potential gaps in replacement costs for new vehicles.
Diminished value
Following an accident, repaired vehicles often decrease in value. A diminished value claim can compensate for this loss, covering the difference in the value of your vehicle before and after the accident.
Special vehicle coverage
Owners of classic or unique vehicles should consider special coverage to ensure full protection of their prized investment.
Although lower premiums may seem enticing, it’s vital to have comprehensive coverage. Reach out to our expert team at Eric Luebbe Insurance as your go-to auto insurance company for Elkhorn, NE motorists. Our agents will help you outline a comprehensive auto insurance plan that meets your needs.
Experience the Value of an Independent Agency
At Eric Luebbe Insurance, our agents focus on understanding your specific needs and objectives. Our team of experts in car insurance for Elkhorn, NE is dedicated to developing a personalized insurance strategy tailored to your unique situation.
Our Elkhorn, NE, auto insurance company is licensed in multiple states, including AZ, CO, GA, IA, MO, NE, and VA, showcasing our extensive expertise and commitment to serving a diverse client base. Reach out to us now to request your quote.
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