Omaha Police Department – Unable to Respond to Non-Injury Vehicle Collisions – What to Do!

The Omaha Police Department announced that due to Covid-19 concerns it is temporarily suspending responses to non-injury “moveable” property damage automobile collisions as of 10:00 a.m., Tuesday, March 24, 2020.   This means the OPD will continue to respond to collisions if any motorist suffers injuries or a vehicle is not drivable.  It is therefore important that if you or your passengers are injured in a collision or your vehicle is not drivable that you call 911 and request officer assistance.

If you are involved in a moveable property damage only collision (without injury) it is important that you exchange information with the other driver (license plate numbers, auto insurance cards, & driver’s license) and get the names and contact information of any witnesses. It is also helpful to take photographs from several sides of all vehicles involved in the collision before they are moved. As always, try to remain calm.

Inserra/Kelley/Sewell is here to help you in your time of need. We understand that a serious personal injury to you or a family member can cause long-term physical, emotional, and financial harm.  If you are injured because of a distracted or careless driver and retain our law firm, we will do our best to accomplish the following:

  • Help You Heal;
  • Explain Auto Insurance Coverages (several may apply);
  • Handle the Insurance Claims Process;
  • Gather All Related Medical Record & Bills;
  • Identify All Possible Defendants and Insurance Carriers;
  • Investigate Facts That Establish Liability;
  • Analyze Which Laws Apply to Your Case;
  • Evaluate Your Claim for Compensation;
  • Guide You Through the Process to Obtain a Fair Resolution.

We can provide free consultations, so if you have any questions about your needs for competent legal representation, feel call the Team at Inserra/Kelley/Sewell, Injury Attorneys.

Gap Insurance Coverage: Do you need it for your automobile?

Gap insurance coverage pays for the difference between your automobile loan payoff amount and the value of a vehicle at the time it is totaled in an accident or stolen.  This insurance coverage guarantees that if your vehicle is not worth (at current retail value) as much as the amount of your auto loan payoff the insuring company will pay the difference between the two amounts, and leave the insured whole, with no out-of-pocket loss.   Most standard auto liability or comprehensive insurance policies only cover what a car is worth at the time of loss, and with insurance carriers no longer using the NADA or Kelley Blue Books for valuation as in the past, and now using services that value vehicles much lower than blue book in some instances, gap insurance has become more valuable than ever.  Gap insurance coverage costs very little, and is normally a wise purchase for new or expensive vehicle purchases.

There are three ways to purchase Gap insurance:

  • From a car dealership at the time of your vehicle purchase which can be included in your loan payments;
  • Through your own auto insurance after you purchase your vehicle; and
  • Through another insurance company that sells stand-alone gap coverage after your buy your vehicle, thru a monthly or one-time premium.

Why should you buy it?

  • If you are making a small down payment on a new vehicle purchase. or purchasing a higher-priced, pre-owned vehicle over $10,000.00;
  • If your loan is longer than 48 months.

Not all drivers need Gap insurance coverage.  Your decision to buy gap coverage should depend on your level of risk tolerance, and your financial ability to write what could be a 4-figure check to your auto loan company if your vehicle is totaled in an accident, EVEN IF THE WRECK IS NOT YOUR FAULT.  If you decide to purchase gap insurance coverage it is a good idea to check with your insurance agent to find out the cost in comparison with the offered coverage from the dealership before your finalize the purchase. If you have any questions about your needs for gap insurance, feel free to call the Team at Inserra/Kelley/Sewell, Injury Attorneys.