§ 60-310 — Automobile liability policy, defined

Automobile liability policy means liability insurance written by an
insurance carrier duly authorized to do business in this state protecting
other persons from damages for liability on account of accidents occurring
subsequent to the effective date of the insurance arising out of the ownership
of a motor vehicle (1) in the amount of twenty-five thousand dollars because
of bodily injury to or death of one person in any one accident, (2) subject
to the limit for one person, in the amount of fifty thousand dollars because
of bodily injury to or death of two or more persons in any one accident, and
(3) in the amount of twenty-five thousand dollars because of injury to or
destruction of property of other persons in any one accident. An automobile
liability policy shall not exclude,
limit, reduce, or otherwise alter liability coverage under the
policy solely because the injured person making a claim is the named insured
in the policy or residing in the household with the named insured.

Legislative History

Source: Laws 2005, LB 274, § 10; Laws 2013, LB316, § 1. Annotations: The prohibition from excluding or limiting liability coverage under the policy solely because the injured person was the named insured or a resident relative of the named insured applies to policies both with coverage limits at the minimum required by law and with coverage limits above the minimum required by law. It prohibits both exclusions that seek to completely exclude liability coverage for an injured insured or household member and exclusions that seek to limit, reduce, or alter the liability coverage to the minimum required by law for an injured insured or household member. Shelter Mut. Ins. Co. v. Freudenburg, 304 Neb. 1015, 938 N.W.2d 92 (2020).