If you are involved in an accident, make sure to exchange information with the other driver. This includes their name, address, insurance company's name and address, and phone number. If you cannot get this information, write down their driver's license number and license plate number.

Independent Agents

• These agents represent multiple insurance companies and can give you several quotes to find the coverage that suits your needs.

Exclusive Agents

• Agents that only sell the products of one insurance company.

Direct Market

Driving Record

• Tickets, accidents, and violations can raise premiums while safe driving can lower your rates over time

Age, Gender, Marital Status

Importance of Auto Insurance

Compliance with state laws

Nebraska has a minimum for auto insurance requirements. Driving without insurance could lead to fines and result in your vehicle being impounded.

Satisfy your lender

If you have a car loan, most lenders require you to have insurance. Usually, this mya include the requirements by state law and collision and comprehensive coverage.

Protect your Assets

Flood insurance through the National Flood Insurance Program (NFIP) includes two separate coverage types: Building and Contents. Each has its own premium and deductible and can be purchased through separate policies.

Building Coverage

This covers:

Nebraska's Homeowners Protection Act gives you key rights when working with contractors after a loss.

Quick Notification to Insurance Company

• Your contractor MUST notify your insurance company within 5 business days of signing your contract. This helps the company keep track of repairs and protects you from surprise claims or delays.

No Guarantees on Insurance Coverage

What is a post-loss assignment?

A contract signed by the homeowner granting a contractor all rights and duties of the claim under an insurance policy. Once signed, the contractor owns and controls the claim without any input from the insured.

When is a post-loss assignment signed?

The steps for post-loss assignments go as:

What is an adjuster?

An adjuster is a person who determines the amount of damage to your home and property, what can be repaired or replaced, and at what cost. The adjuster also reviews your insurance policy to see if the damage is covered, any dollar limits or deductibles that may apply, and explain your policy's coverage for the claim.

Types of Adjusters

Contact Insurance Provider

Report damages as soon as possible. Keep a log of all communications including names, dates, and topics discussed.

Prevent Further Damage

Emergencies can happen with little warning. Taking time to prepare now can help protect your family, reduce damage to your property, and make recovery easier.

Build an Emergency Supply Kit

At minimum, basic supplies in a supply kit include: