Penalties for Driving Without Insurance in Nebraska
Nebraska auto accident laws include harsh penalties for those caught driving without insurance. Driving without insurance is a Class II misdemeanor. If convicted, you face suspension of your license and registration.
You will have to pay a $50 reinstatement fee. You may also have to carry SR-22 insurance. SR-22 is a form that your insurance company files with the Nebraska DMV. The SR-22 form verifies that you have car insurance. Many insurance companies deem SR-22 drivers as high-risk. This can result in your insurance premiums increasing.
Reporting a Car Accident in Nebraska
Nebraska auto accident laws require that you report a car accident if:
- The car accident results if property damages over $1,000; or
- The car accident results in the injury or death.
You must report the car accident within 10 days of the crash. You can report the accident online or download a Driver’s Motor Vehicle Crash Report.
Recovering Damages in a Nebraska Car Accident Case
There are many different types of damages in Nebraska car accident cases. But they all fall into two main categories. Economic damages are those that are documentable. For example, copies of medical bills or paystubs that show your lost wages.
The second category is non-economic damages. Non-economic damages are not easy to document. For instance, damages for pain and suffering. Punitive damages are another form of damages. These are damages that the court imposes to punish the defendant. For example, the defendant may have been driving while intoxicated. Nebraska auto accient laws do not permit punitive damage awards.
There are a few different ways injured drivers can collect damages. The first is by settling with the insurance company. If the insurance company determines that its insured is at-fault, it will pay for your damages. If you are at-fault, then you must turn to your own insurance company for compensation. Or you could go to trial and attempt to convince a jury otherwise.
When the other driver is at-fault her insurance company will usually try to settle. Their offer will usually come in the form of a written letter. They will attempt to limit their liability by getting you to accept a lowball offer.
You also have the option of sending the insurance company a formal demand letter. A demand letter details your damages and requests a specific amount to settle your case. An experienced Nebraska car accident lawyer can help you value your claim.
A second option to recover damages is to file a lawsuit. A lawsuit will usually list the other driver and her insurance company as defendants. It is also possible that your lawsuit will involve a third-party. For example, a manufacturer’s defect may have contributed to the accident.
There are two primary reasons why car accident victims file lawsuits. First, it may be necessary to file a lawsuit to stop the statute of limitations from running. For example, the car accident may have occurred three and a half years ago. The Nebraska statute of limitations is 4 years from the date of the accident. You have been negotiating a settlement with the insurance company. But you cannot come to an agreement. If you file you can preserve your right to go to trial while continuing to negotiate. If you settle you can withdraw your lawsuit. If not, you can go to trial.
The second reason is that the insurance company is unwilling to offer more money to settle. In this case, you can go to trial to attempt to get more money from the jury.
To recover damages at trial, you must prove that the other driver was negligent. This means that the other driver failed t exercise a reasonable standard of care. And this failure must have caused the accident.
Nebraska Car Accident Settlement Calculator
Did you or someone that you know suffer an injury in a car accident in Nebraska? Use our free online Injury Settlement Calculator to see what your case might be worth.
Get Help With Nebraska Auto Accident Laws
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