Get a Free Car Insurance Quote from Wahoo’s Local Auto Insurance Agency
Eric Luebbe Insurance provides comprehensive auto insurance coverage in Wahoo. As a trusted local car insurance company throughout Nebraska, our agents understand that even with well-maintained roads and light traffic, unexpected incidents can still happen. So we offer customized insurance policies at competitive rates to ensure drivers are protected against any unforeseen damages.
What is the minimum auto insurance required by law in Nebraska?
The minimum required auto insurance coverage in Nebraska is $25,000 for bodily injury per person, $50,000 for total bodily injury if multiple people are hurt in an accident and $25,000 for property damage. However, many drivers in Wahoo opt for more comprehensive car insurance in case of a major accident where damages or medical expenses exceed these limits. Without sufficient auto insurance, Wahoo drivers would be personally responsible for paying these extra costs out of pocket. Additionally, minimum coverage does not include protection against incidents like theft or damage from natural disasters.
What does bodily injury liability insurance cover?
Bodily injury liability coverage is a key part of a car insurance policy for any Wahoo driver. If there’s an accident and someone else gets hurt, this coverage pays for medical expenses like ambulance rides, doctor visits, and medicine, and replaces their lost income if the injured person can’t work because of the accident. It even helps with costs if the accident causes physical and emotional pain, or if someone dies and there are funeral costs.
What is uninsured/underinsured motorist coverage?
Don’t underestimate the significance of a comprehensive car insurance policy, including coverage for uninsured motorists. An estimated 15.3% of drivers in Nebraska lack insurance, compared to the national average of 10.3%. Underinsured and uninsured motorist insurance provides necessary protection when the at-fault driver’s insurance is inadequate. Coverage against uninsured/underinsured motorists ensures peace of mind with every journey.
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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 & Comprehensive Coverage
When financing or leasing a car in Wahoo or anywhere, collision and comprehensive insurance coverage is required. Collision coverage takes care of damages from accidents with other vehicles or objects. Without it, repair costs could jeopardize loan payments. Comprehensive coverage handles damages from non-collision events like theft or weather incidents. Lack of this coverage could also risk the financing or lease agreement if the car needs costly repairs or replacement.
Diminished Value Claims in Nebraska
In an accident, a vehicle’s worth can decrease, which could be grounds for a diminished value claim. This can be filed through your insurance company to recover the loss. However, if you were at fault or the damage wasn’t collision-related, this type of insurance claim cannot be submitted. As the premier auto insurance company in Wahoo, Eric Luebbe Insurance is experienced in filing diminished value claims in Nebraska and stands ready to help.
Specialty Vehicle Insurance
Eric Luebbe Insurance offers specialty vehicle insurance that goes beyond the typical car insurance. We can help you secure insurance coverage for just about any vehicle you can imagine!
- Classic Car Insurance
- Antique Vehicle Insurance
- Collector Car Insurance
- Hot Rod & Custom Car Insurance
- Modified Vehicle Insurance
- Motorhome Insurance
- Travel Trailer Insurance
- RV Insurance
- Fifth-Wheel Trailer Insurance
- ATV Insurance
- UTV Insurance
- Dirt Bike Insurance
- Motorcycle Insurance
- Moped/Scooter Insurance
- Snowmobile Insurance
- Antique Tractor & Farm Equipment Insurance
- Golf Cart Insurance
- Street Rod & Race Car Insurance
Who is the most trusted insurance company in Wahoo, NE?
Eric Luebbe Insurance is considered the most reliable car insurance agency in Wahoo, partly because of our deep understanding of the local area, including weather patterns and driving habits, which allows for tailor-made insurance solutions for each individual client. Also, unlike impersonal corporate giants, we provide friendly, personalized service and 24/7 claims support. Wahoo’s local auto insurance agents are always available to answer questions, address concerns, and ensure fair compensation and hassle-free resolution for every claim.
Get a Free Auto Insurance Quote Today!
Getting a personalized auto insurance quote from the comfort of your home is easy. Simply answer a few quick questions, and we’ll customize the perfect insurance coverage for you. Unlock savings and security with the top car insurance agency in Wahoo, Nebraska. Compare auto insurance rates and win with Eric Luebbe Insurance!
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