Nebraska Uninsured and Underinsured Motorist Coverage Act (44-6401 to 44-6414)

What this document is

Nebraska Uninsured and Underinsured Motorist Coverage Act (44-6401 to 44-6414) is a state statute published by Nebraska Legislature (nebraskalegislature.gov), Revised Statutes of Nebraska. It is one of the Nebraska documents that insurance license exam questions are written from, including nebraska property & casualty, nebraska personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Neb. Rev. Stat. § 44-6407(2) (Uninsured or underinsured motor vehicle; exclusions)

  “(2) Owned by, furnished, or available for the regular use of the named insured or any resident of the insured's household;”

• Neb. Rev. Stat. § 44-6405(4) (Uninsured motor vehicle; unknown owner without contact)

  “(4) The owner or operator is unknown and bodily injury, sickness, disease, or death of an insured is caused by such motor vehicle without actual physical contact between such motor vehicle and the insured or a motor vehicle occupied by the insured if (a) the accident has been reported, as required...”

• Neb. Rev. Stat. § 44-6410 (Stacking of coverage; prohibited)

  “the limits of liability for uninsured or underinsured motorist coverage for two or more motor vehicles insured under the same policy or separate policies shall not be added together, combined, or stacked to determine the limit of insurance coverage available to an injured person for any one accident”

• Neb. Rev. Stat. § 44-6408(2) (Higher limits at written request)

  “(2) At the written request of the named insured, the insurer shall provide higher limits of uninsured and underinsured motorist coverages in accordance with its rating plan and rules, except that in no event shall the insurer be required to provide limits higher than one hundred thousand dollars...”

• Neb. Rev. Stat. § 44-6409(2) (Maximum liability; limits of liability; how construed)

  “(2) The limits of liability of uninsured motorist coverage and underinsured motorist coverage shall not be reduced by the amount of benefits paid under any first party medical payments coverage portion of the policy. The uninsured motorist coverage and underinsured motorist coverage shall be excess...”

• Neb. Rev. Stat. 44-6409(2) (Maximum liability; limits of liability; how construed)

  “(2) The limits of liability of uninsured motorist coverage and underinsured motorist coverage shall not be reduced by the amount of benefits paid under any first party medical payments coverage portion of the policy. The uninsured motorist coverage and underinsured motorist coverage shall be excess...”

• Neb. Rev. Stat. 44-6410 (Stacking of coverage; prohibited; exception)

  “Regardless of the number of vehicles involved, persons covered, claims made, vehicles or premiums shown on the policy, or premiums paid, the limits of liability for uninsured or underinsured motorist coverage for two or more motor vehicles insured under the same policy or separate policies shall...”

• Neb. Rev. Stat. § 44-6413(1)(b) (Uninsured and underinsured motorist coverages; exceptions)

  “(b) Bodily injury, sickness, disease, or death of an insured while occupying a vehicle owned by, but not insured by, the named insured or a spouse or relative residing with the named insured;”

• Neb. Rev. Stat. § 44-6413(1)(a) (Coverages; settlement without insurer's written consent)

  “makes, without the written consent of the insurer, any settlement with or obtains any judgment against any person who may be legally liable for any injuries if such settlement adversely affects the rights of the insurer”

• Neb. Rev. Stat. § 44-6409(1) (Maximum liability; limits of liability)

  “The maximum liability of the insurer under the uninsured motorist coverage or the underinsured motorist coverage shall be the amount of damages for bodily injury, sickness, disease, or death sustained by the insured less the amount paid to the insured by or for any person or organization which may...”

• Neb. Rev. Stat. § 44-6408(1) (Motor vehicle liability policy; uninsured and underinsured motor vehicle insurance coverages)

  “unless coverage is provided for the protection of persons insured who are legally entitled to recover compensatory damages for bodily injury, sickness, disease, or death from (a) the owner or operator of an uninsured motor vehicle in limits of twenty-five thousand dollars because of bodily injury,...”

• Neb. Rev. Stat. § 44-6405(4) (Uninsured motor vehicle, defined; unknown owner, no contact)

  “(4) The owner or operator is unknown and bodily injury, sickness, disease, or death of an insured is caused by such motor vehicle without actual physical contact between such motor vehicle and the insured or a motor vehicle occupied by the insured if (a) the accident has been reported, as required...”

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Questions about this source

More Nebraska sources

• Neb. Rev. Stat. ch. 44, sickness and accident insurance policy provisions (44-710 series)State statute
• Neb. Rev. Stat. ch. 44, general provisions applicable to insurers and policies (44-300 series)State statute
• Neb. Rev. Stat. ch. 44, group life and group sickness and accident insuranceState statute
• Neb. Rev. Stat. ch. 44, life and annuity policy provisions (44-502 to 44-513)State statute
• Neb. Rev. Stat. ch. 44, Medicare supplement and long-term care insuranceState statute
• Neb. Rev. Stat. ch. 44, Insurance Producers Licensing Act (44-4047 to 44-4069)State statute
• Neb. Rev. Stat. ch. 44, Unfair Insurance Trade Practices Act (44-1521 to 44-1535)State statute
• Nebraska Producer's Examination Content Outline - Casualty Insurance Series 13-23Candidate handbook or exam outline