When it comes to choosing your car insurance it is important to know the different types of coverage. There are five common types:

Liability- It pays for injuries and property damage you cause to other people if you’re at fault in an accident. It doesn’t cover your injuries or vehicle repair costs.
Collision- covers damage to your car if it’s involved in a car accident.

Comprehensive- covers damage to your vehicle that occurs from something other than a crash, such as severe weather, vandalism, falling objects, animals, and more.

Personal Injury Protection (PIP) / Medical Payments- Coverages help pay for injuries you and your passengers sustain during an accident.

Uninsured/underinsured motorist (UM/UIM)- Coverage protects you if you get hit by an uninsured driver or if they don’t have sufficient coverage to pay for your expenses.

In Nebraska, liability car insurance and uninsured motorists’ coverage is required for all drivers. However, more often than not opting for minimum insurance coverage is not enough to cover all accident-related injuries or property damage.

One method to ensure the best price and coverage is to compare rates with different insurance companies before buying a policy.

Another method is to purchase collision and personal injury protection/ medical payment coverage. However, if you cannot afford this, then having the minimum insurance is better than having no insurance at all.

At Pesek Law we make sure that insurance companies pay a fair compensation after an accident.

Contact us if you need our services.