Minnesota Auto Insurance
If you own a car in Minnesota, you need a minimum amount of Minnesota auto insurance. This insurance is liability insurance and it covers damages and injuries that you inflict on others when you are found at fault for an accident. Minnesota is a no-fault state, which means that every driver must cover PIP (Personal Injury Protection) insurance. Liability insurance covers injuries and damages to others caused by you; PIP insurance covers your injuries and medical expenses if you are found at fault for the accident. So, it is called a no-fault state, because regardless of who is at fault, everyone will be taken care of.
- Bodily Injury Liability
You are required to have $30,000 of bodily injury liability insurance per person, and $60,000 per accident. This is the minimum required amount, and it is recommended that you increase this amount, to fully cover yourself. IF you are found at fault for the accident, and the damages are more then your minimum liability, you will still be held accountable for the difference. If it is a major accident you could be on the hook for several thousand dollars if you are not properly insured.
- Property Damage Liability
You are also required to have a minimum amount of property damage liability insurance. If you are found at fault for a accident, this will cover the damages to the other motorists property, most notably their car. This does NOT cover damages to your car, for that coverage, you need to be sure that you have
comprehensive and collision coverage
. The minimum amount of property damages liability insurance is $10,000, but like bodily injury liability, you can increase this minimum.
Increasing your minimum will increase our insurance premium, but this small added cost per month is worth it, for the full protection it offers. To see how much changes in liability or adding collision coverage affects your rates get a free
car insurance quote in Minnesota.
- Uninsured Motorist Insurance
Lastly you are required to have uninsured motorist Minnesota auto insurance. If you are in a accident with a driver who does not have insurance, instead of wasting time and money by taking him to court, to collect for damages, your insurance company covers you for those damages. Your insurance company will then take the uninsured motorist to court, in order to collect money from him.
Minnesota is a no-fault state, so everyone is covered regardless of fault. It is still recommended that you increase your liability coverage’s in order to have full protection and coverage.
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