Honestly, I’d rather pay a bit more upfront than have my wallet cry later... learned that the hard way.
Couldn’t agree more with this. People always grumble about premiums, but they don’t see the mess until they’re knee-deep in it. I’ve seen folks try to save a few bucks by skimping on coverage, then end up shelling out thousands after a fender bender with an uninsured driver. Nebraska’s requirement for uninsured motorist coverage is honestly one of those things that seems annoying until you actually need it.
I get that it feels like just another bill, but the alternative is way worse. Had a client once who got rear-ended by someone with no insurance and no assets—total nightmare. If she hadn’t had UM coverage, she’d have been stuck with all the medical bills herself. It’s not just about following the law, it’s about protecting yourself from other people’s bad decisions.
Expired cards though... that’s a new level of wishful thinking.
Honestly, I get the logic behind mandatory UM coverage, but I can’t help feeling it’s a bit heavy-handed. I mean, as someone who owns a couple of older classics that barely leave the garage, I’m basically paying for risk that’s almost nonexistent for me. Wouldn’t it make more sense to let people opt out if they can prove limited use or have other safeguards? Not saying it’s useless, just that a one-size-fits-all rule doesn’t always fit.
Why I was surprised to learn Nebraska requires uninsured motorist coverage
I hear you. My ‘68 Mustang spends more time under a tarp than on the road—feels like I’m paying for a risk that’s basically zero. Once a year, I take her out for a spin and baby her the whole way, dodging every pothole like it’s a landmine. It’d make way more sense if there was some kind of “garage queen” exemption. But then again, I guess the state figures it’s easier to just blanket everyone instead of sorting out who’s actually driving what and when. Still feels like overkill for folks like us.
It’d make way more sense if there was some kind of “garage queen” exemption.
That would be awesome, honestly. My dad’s got an old truck that barely leaves the driveway except for car shows, and he grumbles about the insurance every year. I get why the state wants to keep it simple, but it does feel like a one-size-fits-all thing that doesn’t really fit everyone.
I’m just learning to drive, so I’m on the opposite end—my car’s out all the time, and I still worry about getting hit by someone with no insurance. Guess that’s what the law is trying to cover, but it’s wild how different people’s situations are. Has anyone actually tried getting a special policy for a car that’s mostly stored? Or is it just not worth the hassle?
I get why the state wants to keep it simple, but it does feel like a one-size-fits-all thing that doesn’t really fit everyone.
I get where you’re coming from, but I kind of see why Nebraska does it this way. If they started making exceptions for “garage queens,” wouldn’t people just claim their daily drivers are stored to dodge coverage? I know it’s annoying for folks with show cars, but I’d worry about loopholes. My neighbor tried a collector’s policy once—cheaper, but super strict about mileage and usage. Not sure it’s worth the trade-off unless the car really never leaves the garage.