FAQ

I do not own a car. Do I still need a filing?

Direct answer

If the state requires proof of financial responsibility, yes, and a non-owner policy is the form that satisfies it. The proof period does not start running until a valid certificate is on file, whether or not you own anything.

More detail

This is one of the most useful facts in the whole process and one of the least known. Drivers who sell a car during a revocation often assume they can wait to deal with insurance until they buy the next one. Meanwhile the clock they think is running is not, because nothing has been filed. A non-owner policy is inexpensive relative to an owner policy, since there is no rated vehicle and no physical damage coverage, and its main job here is to start and keep the clock running. The caveat is that it only works when it matches your facts. If a vehicle in your household is regularly available to you, a non-owner policy is the wrong form and leaves a real gap on that vehicle.

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.

Call (402) 810-8837Text us

Prefer to text? Open your texting app