People driving without insurance are more than just a hazard and risk to themselves, but also to everyone else on the roadways. Drivers that do not carry the necessary minimum insurance amounts often cannot pay for damages they may cause in a collision. This forces insured drivers to tap into their uninsured motorist coverage or worse, pay for the damages out of pocket. Often these situations get thrown into civil court for damage costs to be determined, if possible. The higher a state’s uninsured motorists percentage is, the more car insurance premiums will have to be to compensate for the monetary damages caused by drivers who are not insured.

Nebraska car insurance law clearly states that drivers must be insured if they register a vehicle within the state. However, many residents are finding loopholes that allow them to purchase insurance initially, but then drop it for twelve months until they have to register the car again.

Many states are presenting new legislation or implementing new rules that will further discourage drivers from not insuring their vehicles. In Nebraska, Senator Scott Lautenbaugh is supporting a bill that would force law enforcement officers to impound cars when the driver cannot present current proof of insurance when asked. The Nebraska Department of Insurance regulates and provides information on car insurance in the state.  In the city of Omaha in 2010, over 7,000 drivers were not able to provide adequate proof of insurance. Not only would impounding vehicles benefit the area by discourage motorists from driving uninsured, this bill would also provide a monetary benefit to the local Nebraska government.

The new bill in Nebraska, Bill 803, suggests that drivers who are not able to provide proof of insurance in a car accident be guilty of a Class II misdemeanor. If there is a similar offense on file anytime within the last 12 years, the offense would jumped up to a Class I misdemeanor automatically. Suspension, revoking the driver’s license and other penalties could come into play for drivers who frequently fail to maintain car insurance.

Impounding the car will become a common reaction for police officers who pull over uninsured drivers. Impounded cars can be pricey to get out of the pound and back in your possession. This hassle is meant to be enough to convince drivers to maintain the proper amounts of car insurance. Whether or not the bill was get passed is yet to be known but other states are implementing similar ideas.




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