Nebraska Auto Insurance
Reader’s Question:
I am in Nebraska and I need to know if I have to provide my SSN to insurance company? Does Nebraska allow car insurance companies to check your credit history?
Tom
Omaha, NE
Insurance rates vary from one state to another. It also will depend on the make and model of your car, coverages, limits of liability, and driving record. Most insurance carriers run credit scores and most run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to check some undisclosed accident involvement.
What you can do is contact a local independent agent or broker. Don’t go across town, or to some other city in Nebraska. Look for someone close in your area which is in Omaha Nebraska. You may use the internet or you may you may be able find a professional licensed agent that will be able to help you answer your insurance problems, and give you rate comparisons of several different insurance providers.
Normally an independent insurance agent or broker will have a dozen different insurers and if he cannot assist you, he should be networked with other local agents that can.
Car Insurance Lincoln Nebraska
Reader’s Question:
My son received 2 DUIs in less than a year, the recent DUI will be three years old this December. Will he be able to purchase private truck insurance? I live in Lincoln, Nebraska?
Gary
Lincoln, NE
Driving while impaired is a major offense in Nebraska. The penalties for a second offense may include between thirty days days and six months in jail, a $500 fine and a 1 year license revocation or suspension.
Additionally, for each DUI offense it is 6 points against your driver’s license. Convictions stay on your driving record for 5 years in Nebraska. If you accumulate 12 points in a two year period, your driver’s license is automatically revoked as well.
If your son has finished with the penalties he received for his DUIs and has had his driver’s license reinstated he should be able to get insurance for a private passenger car or truck. However, he might be regarded as a high risk by insurance providers due to his driving record.