FAQ

Does an SR-22 policy cover damage to my own car?

Direct answer

Only if you buy comprehensive and collision coverage on it. The filing relates to liability, which pays for harm you cause to others. Damage to your own vehicle is separate coverage you choose or a lender requires.

More detail

The state minimum is a liability minimum. It exists to protect other people from you, not to protect your property, and a policy written at exactly the minimum pays nothing toward your own vehicle after an at-fault accident. That is a deliberate design choice by the state, not an oversight. Whether to add physical damage coverage is an economic decision: on an older vehicle worth a couple thousand dollars, the premium may exceed any plausible payout, while on a financed vehicle the lender removes the choice entirely. One related point worth raising with a producer: the state minimum is a floor, not a recommendation. Nebraska medical and vehicle costs can exceed minimum limits quickly, and higher liability limits are often cheaper than drivers expect.

Authoritative sources

  • Nebraska Department of Motor Vehicles

    The Nebraska DMV administers driver licensing, revocation, reinstatement conditions, and the proof of financial responsibility requirement, and publishes the current fee schedule.

  • Nebraska Revised Statutes 60-534

    Nebraska sets minimum motor vehicle liability coverage limits by statute, and a policy carrying a certificate must meet or exceed them.

  • Nebraska Revised Statutes, chapter 60

    The Motor Vehicle Safety Responsibility Act is the framework under which Nebraska requires proof of financial responsibility from a driver following certain violations or an uninsured accident.

Ready to get started?

What the Nebraska DMV actually requires, which policy form your situation calls for, and how the reinstatement sequence runs. Mon-Sat 8am-7pm CT.

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