Title: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Had a situation a few years back—was out for a drive in my ‘72 Chevelle when someone sideswiped me at an intersection and just kept going. At the time, I didn’t even realize how important that uninsured motorist coverage was until the adjuster explained it’d cover the repairs. Honestly, I used to think it was just another add-on, but after that, I’m glad Nebraska makes it mandatory. It’s not perfect, but it sure beats footing the bill yourself.
That’s wild—never really thought much about uninsured motorist coverage until I started shopping for my first policy. I always figured liability was enough, but now I’m second-guessing that. Does anyone know if the coverage limits Nebraska requires are actually enough to cover most accidents, or do people usually bump them up? I keep hearing stories where the minimums don’t go very far...
Title: Minimums Seem Tiny Once You Actually Look
Yeah, I had the same “wait, what?” moment when I started looking at policies. The state minimums look okay on paper, but then you realize a fender bender can rack up bills way faster than you’d think. My cousin got rear-ended last year and the other driver’s insurance barely covered half the costs—she ended up paying out of pocket for months.
I bumped my limits up a bit just for peace of mind. It’s not that much more expensive, honestly, and it feels less like gambling with my bank account. I get why people stick with the minimums (money’s tight), but after hearing enough horror stories, I’d rather play it safe. Insurance is one of those things where you don’t really appreciate it until you need it... and then you REALLY wish you had more.
Yeah, I totally get where you’re coming from. I just started shopping around for my first policy and was surprised how low the minimums are compared to real-world costs. It’s wild how a “minor” accident can add up so fast. I bumped up my coverage a bit too—felt like a smart move after reading some of these stories. Peace of mind is worth a few extra bucks a month, honestly.
Honestly, I was shocked too when I saw how low those minimums are. Like, does anyone actually get away with paying just that and not end up in a mess if something happens? I’ve always wondered, is there a real downside to just maxing out uninsured/underinsured coverage, or is it mostly just about the monthly cost? I’d rather spend a bit more than get stuck with a giant bill after some random fender bender on a road trip... Has anyone ever actually needed to use their uninsured coverage?
