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LEGISLATURE OF NEBRASKA
ONE HUNDRED NINTH LEGISLATURE
SECOND SESSION
LEGISLATIVE BILL 793
Introduced by Spivey, 13.
Read first time January 07, 2026
Committee: Banking, Commerce and Insurance
A BILL FOR AN ACT relating to motor vehicles; to amend sections 44-6408,1
60-310, 60-346, 60-509, 60-534, 60-549, and 60-6,381, Reissue2
Revised Statutes of Nebraska, and section 60-501, Revised Statutes3
Supplement, 2025; to change liability insurance and financial4
responsibility requirements; to provide an operative date; and to5
repeal the original sections. 6
Be it enacted by the people of the State of Nebraska,7
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Section 1. Section 44-6408, Reissue Revised Statutes of Nebraska, is1
amended to read: 2
44-6408 (1) No policy insuring against liability imposed by law for3
bodily injury, sickness, disease, or death suffered by a natural person4
arising out of the ownership, operation, maintenance, or use of a motor5
vehicle within the United States, its territories or possessions, or6
Canada shall be delivered, issued for delivery, or renewed with respect7
to any motor vehicle principally garaged in this state unless coverage is8
provided for the protection of persons insured who are legally entitled9
to recover compensatory damages for bodily injury, sickness, disease, or10
death from (a) the owner or operator of an uninsured motor vehicle in11
limits of fifty twenty-five thousand dollars because of bodily injury,12
sickness, disease, or death of one person in any one accident and,13
subject to such limit for one person, one hundred fifty thousand dollars14
because of bodily injury, sickness, disease, or death of two or more15
persons in any one accident, and (b) the owner or operator of an16
underinsured motor vehicle in limits of fifty twenty-five thousand17
dollars because of bodily injury, sickness, disease, or death of one18
person in any one accident and, subject to such limit for one person, one19
hundred fifty thousand dollars because of bodily injury, sickness,20
disease, or death of two or more persons in any one accident.21
(2) At the written request of the named insured, the insurer shall22
provide higher limits of uninsured and underinsured motorist coverages in23
accordance with its rating plan and rules, except that in no event shall24
the insurer be required to provide limits higher than one hundred25
thousand dollars per person and three hundred thousand dollars per26
accident. 27
(3) After purchase of uninsured and underinsured motorist coverages,28
no insurer or any affiliated insurer shall be required to notify any29
policyholder in any renewal, reinstatement, substitute, amended, altered,30
modified, transfer, or replacement policy as to the availability of31
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optional limits of such coverages. The named insured may, subject to the1
limitations of this section, make a written request for additional2
coverage or coverage more extensive than that provided in a prior policy.3
Sec. 2. Section 60-310, Reissue Revised Statutes of Nebraska, is4
amended to read: 5
60-310 Automobile liability policy means liability insurance written6
by an insurance carrier duly authorized to do business in this state7
protecting other persons from damages for liability on account of8
accidents occurring subsequent to the effective date of the insurance9
arising out of the ownership of a motor vehicle (1) in the amount of10
fifty twenty-five thousand dollars because of bodily injury to or death11
of one person in any one accident, (2) subject to the limit for one12
person, in the amount of one hundred fifty thousand dollars because of13
bodily injury to or death of two or more persons in any one accident, and14
(3) in the amount of fifty twenty-five thousand dollars because of injury15
to or destruction of property of other persons in any one accident. An16
automobile liability policy shall not exclude, limit, reduce, or17
otherwise alter liability coverage under the policy solely because the18
injured person making a claim is the named insured in the policy or19
residing in the household with the named insured. 20
Sec. 3. Section 60-346, Reissue Revised Statutes of Nebraska, is21
amended to read: 22
60-346 Proof of financial responsibility means evidence of ability23
to respond in damages for liability, on account of accidents occurring24
subsequent to the effective date of such proof, arising out of the25
ownership, maintenance, or use of a motor vehicle, (1) in the amount of26
fifty twenty-five thousand dollars because of bodily injury to or death27
of one person in any one accident, (2) subject to such limit for one28
person, in the amount of one hundred fifty thousand dollars because of29
bodily injury to or death of two or more persons in any one accident, and30
(3) in the amount of fifty twenty-five thousand dollars because of injury31
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to or destruction of property of others in any one accident.1
Sec. 4. Section 60-501, Revised Statutes Supplement, 2025, is2
amended to read: 3
60-501 For purposes of the Motor Vehicle Safety Responsibility Act,4
unless the context otherwise requires: 5
(1) Department means Department of Motor Vehicles;6
(2) Former military vehicle means a motor vehicle that was7
manufactured for use in any country's military forces and is maintained8
to accurately represent its military design and markings, regardless of9
the vehicle's size or weight, but is no longer used, or never was used,10
by a military force; 11
(3) Golf car vehicle means a vehicle that has at least four wheels,12
has a maximum level ground speed of less than twenty miles per hour, has13
a maximum payload capacity of one thousand two hundred pounds, has a14
maximum gross vehicle weight of two thousand five hundred pounds, has a15
maximum passenger capacity of not more than four persons, and is designed16
and manufactured for operation on a golf course for sporting and17
recreational purposes; 18
(4) Judgment means any judgment which shall have become final by the19
expiration of the time within which an appeal might have been perfected20
without being appealed, or by final affirmation on appeal, rendered by a21
court of competent jurisdiction of any state or of the United States, (a)22
upon a cause of action arising out of the ownership, maintenance, or use23
of any motor vehicle for damages, including damages for care and loss of24
services, because of bodily injury to or death of any person or for25
damages because of injury to or destruction of property, including the26
loss of use thereof, or (b) upon a cause of action on an agreement of27
settlement for such damages; 28
(5) License means any license issued to any person under the laws of29
this state pertaining to operation of a motor vehicle within this state;30
(6)(a) Low-speed vehicle means any: 31
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(i) Four-wheeled motor vehicle: 1
(A) With a speed attainable in one mile of more than twenty miles2
per hour and not more than twenty-five miles per hour on a paved, level3
surface; 4
(B) With a gross vehicle weight rating of less than three thousand5
pounds; and 6
(C) That complies with 49 C.F.R. part 571, as such part existed on7
January 1, 2025; or 8
(ii) Three-wheeled motor vehicle: 9
(A) With a speed attainable of not more than twenty-five miles per10
hour on a paved, level surface; 11
(B) With a gross vehicle weight rating of less than three thousand12
pounds; and 13
(C) That is equipped with a windshield and an occupant protection14
system. 15
(b) Low-speed vehicle does not include a motorcycle with a sidecar;16
(7) Minitruck means a foreign-manufactured import vehicle or17
domestic-manufactured vehicle which (a) is powered by an internal18
combustion engine with a piston or rotor displacement of one thousand19
five hundred cubic centimeters or less, (b) is sixty-seven inches or less20
in width, (c) has a dry weight of four thousand two hundred pounds or21
less, (d) travels on four or more tires, (e) has a top speed of22
approximately fifty-five miles per hour, (f) is equipped with a bed or23
compartment for hauling, (g) has an enclosed passenger cab, (h) is24
equipped with headlights, taillights, turnsignals, windshield wipers, a25
rearview mirror, and an occupant protection system, and (i) has a four-26
speed, five-speed, or automatic transmission; 27
(8) Motor vehicle means any self-propelled vehicle which is designed28
for use upon a highway, including trailers designed for use with such29
vehicles, minitrucks, and low-speed vehicles. Motor vehicle includes a30
former military vehicle. Motor vehicle does not include (a) mopeds as31
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defined in section 60-637, (b) traction engines, (c) road rollers, (d)1
farm tractors, (e) tractor cranes, (f) power shovels, (g) well drillers,2
(h) every vehicle which is propelled by electric power obtained from3
overhead wires but not operated upon rails, (i) electric personal4
assistive mobility devices as defined in section 60-618.02, (j) off-road5
designed vehicles, including, but not limited to, golf car vehicles, go-6
carts, riding lawnmowers, garden tractors, all-terrain vehicles and7
utility-type vehicles as defined in section 60-6,355, minibikes as8
defined in section 60-636, and snowmobiles as defined in section 60-663,9
and (k) bicycles as defined in section 60-611; 10
(9) Nonresident means every person who is not a resident of this11
state; 12
(10) Nonresident's operating privilege means the privilege conferred13
upon a nonresident by the laws of this state pertaining to the operation14
by him or her of a motor vehicle or the use of a motor vehicle owned by15
him or her in this state; 16
(11) Operator means every person who is in actual physical control17
of a motor vehicle; 18
(12) Owner means a person who holds the legal title of a motor19
vehicle, or in the event (a) a motor vehicle is the subject of an20
agreement for the conditional sale or lease thereof with the right of21
purchase upon performance of the conditions stated in the agreement and22
with an immediate right of possession vested in the conditional vendee or23
lessee or (b) a mortgagor of a vehicle is entitled to possession, then24
such conditional vendee or lessee or mortgagor shall be deemed the owner25
for the purposes of the act; 26
(13) Person means every natural person, firm, partnership, limited27
liability company, association, or corporation; 28
(14) Proof of financial responsibility means evidence of ability to29
respond in damages for liability, on account of accidents occurring30
subsequent to the effective date of such proof, arising out of the31
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ownership, maintenance, or use of a motor vehicle, (a) in the amount of1
fifty twenty-five thousand dollars because of bodily injury to or death2
of one person in any one accident, (b) subject to such limit for one3
person, in the amount of one hundred fifty thousand dollars because of4
bodily injury to or death of two or more persons in any one accident, and5
(c) in the amount of fifty twenty-five thousand dollars because of injury6
to or destruction of property of others in any one accident;7
(15) Registration means registration certificate or certificates and8
registration plates issued under the laws of this state pertaining to the9
registration of motor vehicles; 10
(16) State means any state, territory, or possession of the United11
States, the District of Columbia, or any province of the Dominion of12
Canada; and 13
(17) The forfeiture of bail, not vacated, or of collateral deposited14
to secure an appearance for trial shall be regarded as equivalent to15
conviction of the offense charged. 16
Sec. 5. Section 60-509, Reissue Revised Statutes of Nebraska, is17
amended to read: 18
60-509 No such policy or bond shall be effective under section19
60-508 unless issued by an insurance company or surety company authorized20
to do business in this state, except that if such motor vehicle was not21
registered in this state or was a motor vehicle which was registered22
elsewhere than in this state at the effective date of a policy or bond or23
the most recent renewal thereof, such policy or bond shall not be24
effective under section 60-508 unless the insurance company or surety25
company, if not authorized to do business in this state, shall execute an26
acknowledgment that the company shall be amenable to process issued by a27
court of this state in any action upon such policy or bond arising out of28
such accident. Every such policy or bond is subject, if the accident has29
resulted in bodily injury, sickness, disease, or death, to a limit,30
exclusive of interest and costs, of not less than fifty twenty-five31
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thousand dollars because of bodily injury to or death of one person in1
any one accident and, subject to such limit for one person, to a limit of2
not less than one hundred fifty thousand dollars because of bodily injury3
to or death of two or more persons in any one accident and, if the4
accident has resulted in injury to or destruction of property, to a limit5
of not less than fifty twenty-five thousand dollars because of injury to6
or destruction of property of others in any one accident. Upon receipt of7
a notice of such accident, the insurance company or surety company which8
issued such policy or bond shall furnish, for filing with the department,9
a written notice that such policy or bond was in effect at the time of10
such accident. 11
Sec. 6. Section 60-534, Reissue Revised Statutes of Nebraska, is12
amended to read: 13
60-534 Such motor vehicle liability policy shall (1) designate by14
explicit description or by appropriate reference all motor vehicles with15
respect to which coverage is thereby to be granted and (2) insure the16
person named therein and any other person, as insured, using any such17
motor vehicle or motor vehicles with the express or implied permission of18
such named insured, against loss from the liability imposed by law for19
damages arising out of the ownership, maintenance, or use of such motor20
vehicle or motor vehicles within the United States of America or the21
Dominion of Canada, subject to limits exclusive of interest and costs,22
with respect to each such motor vehicle as follows: Fifty Twenty-five23
thousand dollars because of bodily injury to or death of one person in24
any one accident and, subject to such limit for one person, one hundred25
fifty thousand dollars because of bodily injury to or death of two or26
more persons in any one accident, and fifty twenty-five thousand dollars27
because of injury to or destruction of property of others in any one28
accident. 29
Sec. 7. Section 60-549, Reissue Revised Statutes of Nebraska, is30
amended to read: 31
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60-549 Proof of financial responsibility may be evidenced by the1
certificate of the State Treasurer that the person named in the2
certificate has deposited with him or her an amount equal to the sum of3
the amounts specified in subdivisions (14)(b) and (c) of section 60-5014
seventy-five thousand dollars per vehicle in cash or securities such as5
may legally be purchased by savings banks or for trust funds of a market6
value of such amount seventy-five thousand dollars. The State Treasurer7
shall not accept any such deposit and issue a certificate therefor and8
the department shall not accept such certificate unless it is accompanied9
by evidence that there are no unsatisfied judgments of any character10
against the depositor in the county where the depositor resides.11
Sec. 8. Section 60-6,381, Reissue Revised Statutes of Nebraska, is12
amended to read: 13
60-6,381 (1)(a) A city or village may adopt an ordinance authorizing14
the operation of golf car vehicles within the corporate limits of the15
city or village if the operation is on streets adjacent and contiguous to16
a golf course. 17
(b) A county board may adopt an ordinance pursuant to section 23-18718
authorizing the operation of golf car vehicles within the county if the19
operation is on roads adjacent and contiguous to a golf course.20
(c) Any person operating a golf car vehicle as authorized under this21
subsection shall have a valid Class O operator's license, and the owner22
of the golf car vehicle shall have liability insurance coverage for the23
golf car vehicle. The person operating the golf car vehicle shall provide24
proof of such insurance coverage to any peace officer requesting such25
proof within five days after such a request. 26
(d) The restrictions of subsection (2) of this section do not apply27
to ordinances adopted under this subsection. 28
(2)(a) A city or village may adopt an ordinance authorizing the29
operation of golf car vehicles on streets within the corporate limits of30
the city or village if the operation is (i) between sunrise and sunset31
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and (ii) on streets with a posted speed limit of thirty-five miles per1
hour or less. When operating a golf car vehicle as authorized under this2
subsection, the operator shall not operate such vehicle at a speed in3
excess of twenty miles per hour. A golf car vehicle shall not be operated4
at any time on any state or federal highway but may be operated upon such5
a highway in order to cross a portion of the highway system which6
intersects a street as directed in subsection (3) of this section. A city7
or village may, as part of such ordinance, implement standards for8
operation of golf car vehicles that are more stringent than the9
restrictions of this subsection for the safety of the operator and the10
public. 11
(b) A county board may adopt an ordinance pursuant to section 23-18712
authorizing the operation of golf car vehicles on roads within the county13
if the operation is (i) between sunrise and sunset and (ii) on roads with14
a posted speed limit of thirty-five miles per hour or less. When15
operating a golf car vehicle as authorized under this subsection, the16
operator shall not operate such vehicle at a speed in excess of twenty17
miles per hour. A golf car vehicle shall not be operated at any time on18
any state or federal highway but may be operated upon such highway in19
order to cross a portion of the highway system which intersects a road as20
directed in subsection (3) of this section. A county may, as part of such21
ordinance, implement standards for operation of golf car vehicles that22
are more stringent than the restrictions of this subsection for the23
safety of the operator and the public. 24
(c) Any person operating a golf car vehicle as authorized under this25
subsection shall have a valid Class O operator's license, and the owner26
of the golf car vehicle shall have liability insurance coverage for the27
golf car vehicle. The person operating the golf car vehicle shall provide28
proof of such insurance coverage to any peace officer requesting such29
proof within five days after such a request. The liability insurance30
coverage shall be subject to limits, exclusive of interest and costs, as31
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follows: Fifty Twenty-five thousand dollars because of bodily injury to1
or death of one person in any one accident and, subject to such limit for2
one person, one hundred fifty thousand dollars because of bodily injury3
to or death of two or more persons in any one accident, and fifty twenty-4
five thousand dollars because of injury to or destruction of property of5
others in any one accident. 6
(3) The crossing of a highway shall be permitted by a golf car7
vehicle only if: 8
(a) The crossing is made at an angle of approximately ninety degrees9
to the direction of the highway and at a place where no obstruction10
prevents a quick and safe crossing; 11
(b) The golf car vehicle is brought to a complete stop before12
crossing the shoulder or roadway of the highway; 13
(c) The operator yields the right-of-way to all oncoming traffic14
that constitutes an immediate potential hazard; and15
(d) In crossing a divided highway, the crossing is made only at an16
intersection of such highway with a street or road, as applicable.17
(4) For purposes of this section: 18
(a) Road means a public way for the purposes of vehicular travel,19
including the entire area within the right-of-way; and20
(b) Street means a public way for the purposes of vehicular travel21
in a city or village and includes the entire area within the right-of-22
way. 23
Sec. 9. This act becomes operative on January 1, 2027.24
Sec. 10. Original sections 44-6408, 60-310, 60-346, 60-509, 60-534,25
60-549, and 60-6,381, Reissue Revised Statutes of Nebraska, and section26
60-501, Revised Statutes Supplement, 2025, are repealed.27
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