What the coverage codes represent
State Farm assigns a short alphanumeric code to each type of auto coverage on Nebraska policies. These codes appear on your declarations page and in billing statements, serving as a quick reference for agents and regulators. Each code corresponds to a specific coverage limit, deductible, or optional add‑on, so knowing what they stand for helps you confirm you have the protection you expect.
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Common State Farm codes in Nebraska
Below is a list of the most frequently seen codes on Nebraska auto policies and what they indicate. The exact wording may vary slightly, but the core meaning stays the same.
| Code | Coverage | Typical limit or option |
|---|---|---|
| BI | Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| PD | Property Damage Liability | $25,000 per accident |
| UM | Uninsured Motorist | Same as BI limits |
| UMPD | Uninsured Motorist Property Damage | Same as PD limits |
| COLL | Collision | Deductible chosen by driver (e.g., $500) |
| COMP | Comprehensive | Deductible chosen by driver (e.g., $250) |
| MED | Medical Payments | $5,000 per person |
| RIDE | Ride‑Sharing Endorsement | Optional, adds coverage for gig‑economy driving |
How to verify the codes on your policy
When you receive your policy documents, locate the "Declarations" section. The coverage codes are listed alongside the corresponding limits and premiums. Cross‑check each code with the table above or with State Farm's online policy portal. If a code is unfamiliar, call your State Farm agent and ask for a plain‑language explanation.
When to request a code change
If you notice a code that does not match the coverage you selected—such as a lower liability limit or a missing uninsured motorist endorsement—request a revision before the policy becomes effective. Nebraska law requires minimum liability limits of $25,000/$50,000 for bodily injury and $25,000 for property damage, so any code below those thresholds would be non‑compliant.
Additional resources for Nebraska drivers
State Farm's Nebraska website provides a downloadable "Coverage Code Guide" that explains each abbreviation in detail. The Nebraska Department of Insurance also publishes a consumer handbook outlining state‑required coverages, which can be useful for confirming that your policy meets local regulations.