If you have been in a car accident in Nebraska, you may be entitled to reimbursement for your damages. However, it is important to optimize your claim to get the most money possible to cover everything you need.
Nebraska car accident laws
The first thing you need to do to optimize your claim is to understand Nebraska’s auto insurance laws. The state follows at-fault insurance laws when it comes to motor vehicle accidents. This typically means that the insurance company of the driver responsible for causing the accident will pay for the victim’s injuries and property damage.
Additionally, Nebraska uses a comparative negligence system where the court considers each driver’s responsibility to the accident. Thus, if the judge finds you to be partially at fault, your reimbursement will reduce by the percentage of your culpability.
How to maximize your claim
First, gather as much evidence as possible. This includes pictures of the scene, witnesses’ contact information and your medical records. The more evidence you have, the better your chances of getting a fair settlement.
Don’t wait to file your claim. If you wait too long, the insurance company may argue that you are not entitled to reimbursement because you didn’t report the accident on time. Under Nebraska Revised Statute 25-207, you have a maximum of four years for personal injury or just two years for wrongful death.
In addition, be sure to keep detailed records of all your expenses related to the accident. This may include medical bills, car repairs and lost wages. You should also document your emotional pain and suffering that resulted from the accident, such as if the accident made you fear driving again or if you experienced any sort of trauma from your injuries.
Do not accept the first settlement offer. The at-fault party insurance company may approach you immediately after the accident with an offer, but do not accept it. You must know the full extent of your damages and the impact of your injuries, including future damages, before you take anything.
You deserve your full compensation after an accident, so don’t rush into a settlement. Take your time and explore everything you might need to get the most reimbursement.