Rented Cars and SR22 Insurance Nebraska NE
Reader’s Question:
I have been required to carry SR22 because I frequently rent cars in Nebraska. Is this really necessary?
Bart
Omaha, NE
All states require each and every motorist to obtain car insurance as a safeguard from the possible risk of causing accidents which often result in property damage and bodily injury.
The state of Nebraska has a simple set of requirements to its motorists. Drivers operating motor vehicles in public roads are obligated to have the minimum liability insurance. This covers for medical and repair costs incurred following an accident where the insured was responsible.
Your case – where you do not have your own vehicle but frequently operate rented ones, does not exclude you from the insurance laws of Missouri. You are still required to carry liability insurance, may this be in the form of a non-owners policy or rental car insurance purchased from the same company where you rented the vehicle.
But do not confuse SR22 with coverage. SR22 is not an insurance policy of any sort. This form is a proof or certification filed by the insurance company to the Department of Motor Vehicles on the policyholder’s behalf to show that certain liability coverage is in effect.
Non-owners SR22 insurance policy may not be enough, though. If in case you cause an accident, the non-owners SR22 policy will cover for costs of medical care and repairs to damaged property provided that they are within the specified limits of your coverage. Always bear in mind that it will not cover your rented vehicle.
Tags: DMV, non owners insurance, rental car insurance, sr22 car insurance