Nebraska has a comparative negligence law. This means, for example, that if you are in an accident and you are 20% negligent while the other driver is 80% negligent, you can recover 80% of your damages from the other driver and his insurance company.
If you carry collision insurance in addition to liability insurance, your own insurance company will cover the remaining 20% minus any deductible you are required to cover. Remember that underinsured and uninsured coverage will only compensate you for bodily injury, not property damage.