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My husband received two DUIs in less than a year, the second one will be three years old this August, we live in NE. Is he able to buy private truck insurance and how does a person go about doing it? What are the general guidelines for this state?

As you are aware driving while impaired is taken seriously in Nebraska. The penalties for a second offense can include between 30 days and 6 months in jail, a $500 fine and a 1 year license revocation.

Also for each DUI offense it is 6 points against your driver's license. In NE convictions remain on your driving record for 5 years. If you accumulate 12 points in a 2 year period, your driver's license is automatically revoked as well.

If your husband has finished with the penalties he received for his DUIs and has had his driver's license reinstated he should be able to find insurance for a private passenger car or truck. He might be regarded as a high risk by insurance companies though due to his driving record.

The minimum auto insurance coverage requirements in Nebraska is $25,000 per injured person up to a total of $50,000 for everyone hurt in one accident and $25,000 of property damage coverage.

A SR-22 certificate of insurance might be required if your husband had a license suspension due to the accumulation of points on his drivers license or if it was court ordered as part of penalties for the DUI convictions.

The DMV in Nebraska requires a person to prove all vehicles they own are insured after having a suspension or revocation. They require this through the SR-22 filing. When an NE SR-22 is required, it must be maintained for 3 years from the date eligible for reinstatement.

To get a Nebraska auto insurance quote for you and your husband, click here.

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This car insurance question was asked on 5/23/2006
This auto insurance answer was last updated on 5/24/2006
Marcia G requested this car insurance solution.
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