Complying with the Law
You are in compliance with the mandatory insurance law if you have vehicle liability insurance in the following minimum amounts:
$20,000 - injury or death of one person in an accident
$40,000 - injury or death of more than one person in an accident
$15,000 - damage to property of another person
You must always carry your insurance card in your vehicle and show it upon request by any law enforcement officer. Your insurance company will send you an insurance card, usually when your insurance policy is issued or renewed. Lincoln will provide you with temporary proof of insurance at the time of sale.
Your signature on the Vehicle Renewal Registration Application affirms that your vehicle will be properly insured throughout the registration period.
Enforcement
Enforcement of the mandatory insurance law is accomplished through a random questionnaire sampling process and the issuance of traffic tickets.
If the computer randomly selects your vehicle, you will receive a questionnaire asking for the name of your insurance company and policy number. Your answers will be verified with the company you name. If you do not have insurance or fail to return the questionnaire with the requested information, your license plates will be suspended.
If you are stopped for a traffic violation or involved in an accident, a law enforcement officer may issue a traffic citation if you are unable to provide evidence of insurance. If convicted, your license plates will be suspended and you will face the following fines:
- minimum $500 fine for driving uninsured
- minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation
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Contains information taken from Secretary of State Website
