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North Platte, Nebraska Auto Insurance


North Platte car insurance policies consists of five sections, declarations, coverage, exclusions, conditions and definitions. These five sections vary from company to company, however they always contain the same information regardless of the insurance carrier.

The declaration is the part of your policy that is unique to you. It contains all the personal factors about you and the other drivers under your roof. It also includes all the pertinent information about vehicles, policy duration and the basic type of coverage that your purchased. In North Platte Nebraska, all that is required by the State is bodily injury liability insurance. Check this section carefully because any future claims can be denied if any of this information is incorrect.

Coverage outlines options and coverage limits, such as liability, medical, collision and comprehensive coverage. Exclusions detail what is not covered by your policy, so that you will know what to expect in the event of an accident. Looking at this section can reveal some or all possible weaknesses in the policy that you are purchasing. The conditions section spells out all legal responsibilities of both the vehicle insurer and the auto or truck owner. It also spells out the procedure in case there is a dispute between you and the car insurance company. The definitions section defines the terms used to draw up the policy. It puts in writing the rights of the policyholder and the insurance company. Experts call this the “fine print” that everyone should read.

Besides liability, insurance companies offer collision coverage for auto and truck insurance owners in North Platte. Comprehensive coverage pays for the damage to your vehicle caused by things other than a collision or traffic accident. Say, for instance a tree falls on your car, then comprehensive will take care of the damage. Fire and theft are other examples of coverage with comprehensive insurance.

Medical, uninsured/underinsured and personal damage policies are also available but not required under Nebraska State law.