Nebraska Requires Uninsured Motorist Coverage Unless You Reject It
Nebraska law requires every auto insurance carrier to include uninsured motorist (UM) coverage in every policy issued in the state. You cannot simply skip it when you buy coverage for your two or three vehicles. The carrier must offer it, and it automatically appears on your policy unless you explicitly reject it in writing. This is not an optional add-on you choose during checkout — it is a mandatory offer you must actively decline if you do not want it.
Most multi-car households assume UM coverage is optional and never see the rejection form. The coverage stays on the policy, and the premium reflects it. When you add a second or third vehicle mid-term, the carrier re-rates the entire policy with UM coverage included on every car unless you have a signed rejection on file. If you never filed that rejection, you are paying for UM coverage across all your vehicles whether you intended to or not.
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Get Your Free QuoteNebraska Uninsured Drivers
9.5%
Nearly one in ten Nebraska drivers operates without insurance. Uninsured motorist coverage protects you when one of those drivers hits your vehicle and cannot pay for the damage or your medical bills.
Insurance Information Institute, 2023
What Uninsured Motorist Coverage Actually Pays For
Uninsured motorist coverage pays your medical bills, lost wages, and vehicle repair costs when an at-fault driver has no insurance. It also covers you when the at-fault driver's liability limits are too low to cover your damages — that is called underinsured motorist (UIM) coverage, and Nebraska carriers typically bundle UM and UIM together in one coverage block.
Nebraska is a fault state. The at-fault driver's liability insurance pays for your damages. When that driver has no insurance or insufficient coverage, your UM/UIM coverage steps in. Without it, you sue the uninsured driver personally to recover your costs — a process that often produces no payment because uninsured drivers rarely have assets to collect against.
UM/UIM coverage applies per person and per accident, mirroring the structure of liability limits. When you insure multiple vehicles on one policy, the per-accident limit applies to the entire household, not per vehicle.
Nebraska carriers must offer UM coverage on every policy, but you can reject it — the rejection must be in writing, and it applies to every vehicle on the policy.
How to Reject Uninsured Motorist Coverage in Nebraska
Contact your carrier and request the uninsured motorist rejection form. The form states that you understand UM coverage is available and you are choosing to decline it. Sign the form and return it to the carrier. The carrier removes UM coverage from your policy at the next renewal or mid-term if you request immediate removal. If you add a vehicle later, the rejection remains in effect — you do not need to file a new form for each car.
If you never filed a rejection and want to remove UM coverage now, request the form and file it. The carrier will adjust your premium to reflect the removal. If you filed a rejection years ago and now want to add UM coverage back, contact the carrier and request it. You can reverse the rejection at any time. Most carriers allow you to add or remove UM coverage at renewal without re-underwriting the entire policy.
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Why Multi-Car Households Keep Uninsured Motorist Coverage
Most Nebraska households with two or more vehicles keep UM coverage even though they can reject it. The coverage protects every driver and passenger in the household, and the cost is lower than the financial risk of an uninsured-driver collision. When you insure three cars on one policy, UM coverage applies to all three vehicles and every household member who drives them.
The decision changes when you carry health insurance that covers accident-related medical bills. UM coverage duplicates some of that protection, though it also covers vehicle damage and lost wages your health plan does not pay. If your household has strong health coverage and you want to minimize your auto premium, rejecting UM coverage reduces your cost. If your health plan has high deductibles or limited coverage, UM coverage fills the gap.
Nebraska does not require personal injury protection (PIP), so UM coverage is the primary way to cover your own medical bills after a collision with an uninsured driver. Liability coverage pays the other driver's costs when you are at fault; UM coverage pays your costs when the other driver is at fault and uninsured. Rejecting UM leaves you dependent on the at-fault driver's insurance or your own health plan.
Nebraska Minimum Liability Limits
$25,000 / $50,000
Nebraska requires $25,000 bodily injury coverage per person and $50,000 per accident, plus $25,000 property damage. UM coverage typically matches your liability limits unless you select higher amounts.
Nebraska Department of Motor Vehicles
How Adding a Vehicle Affects Uninsured Motorist Coverage
When you add a second or third vehicle to your Nebraska policy, the carrier applies your existing UM coverage election to the new car automatically. If you carry UM coverage on your first vehicle, the second vehicle gets the same coverage at the same limits. If you filed a rejection, the new vehicle is added without UM coverage. You do not need to file a new rejection form each time you add a car.
Adding a vehicle re-rates your entire policy, and UM coverage is part of that calculation. If you carry UM coverage, the premium increase reflects coverage on the new vehicle. If you rejected UM, the increase reflects only liability, collision, and comprehensive coverage on the added car. The per-accident UM limit does not increase when you add vehicles — it remains the same household-wide limit, now covering more cars.
Compare Carriers That Write Multi-Vehicle Policies in Nebraska
Every carrier writing auto insurance in Nebraska must offer UM coverage, but premium varies widely across carriers even when coverage limits are identical. When you insure two or three vehicles on one policy, compare quotes from multiple carriers to find the lowest total premium for your household. Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA all write multi-vehicle policies in Nebraska and offer online quotes.
Request quotes with UM coverage included and with UM coverage rejected so you can see the cost difference. Most carriers show the UM premium as a separate line item. If the difference is small and you do not have strong health insurance, keeping UM coverage is usually the better decision. If the difference is large and your household has comprehensive health plans, rejecting UM may make sense. Compare the total premium across carriers, not just the UM line item — a carrier with a higher UM cost may still deliver a lower total premium because of differences in base rates or multi-car discounts.