Yes - if you blow this off, you can end up eating thousands in ambulance, ER, imaging, and follow-up bills while the insurance companies argue over whose turn it is to pay.

What most people assume: "I was just the passenger, so Nebraska makes this simple, Uber covers everything, and small injuries aren't worth pursuing."

That is not how it works in Nebraska.

Nebraska is an at-fault insurance state. After a rideshare crash in Norfolk - especially in construction season around lane shifts on U.S. 275, Highway 81, or a flagged work zone - the claim may involve the Uber driver's coverage, the other driver's coverage, and Uber's policy depending on whether the app was on and the ride was active.

People also assume the driver's personal policy will just handle it. Sometimes it won't. Nebraska only requires $25,000 per person, $50,000 per crash, and $25,000 for property damage in minimum liability coverage. That sounds decent until one ER visit, a CT scan, and a few weeks of missed work burn through it fast.

The practical difference is money and leverage.

If you treat this like "not worth the hassle," insurers drag it out, point fingers, and hope you give up. If the crash happened in a Norfolk road work area, they may blame the other driver, the Uber driver, visibility, merge confusion, or reduced lanes. Meanwhile, your medical bills keep coming.

What helps in Nebraska is moving fast before records disappear:

• Get the police report from the Norfolk Police Division or Nebraska State Patrol
• Save the Uber trip screen, driver name, and timestamps
• Keep every bill, discharge note, and work-loss record
• Do not accept a quick check before you know the full medical picture

Nebraska's general lawsuit deadline for injury claims is usually 4 years, but waiting is how people lose payout value, not how they protect it.