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Like many states, Minnesota requires every driver to insure their vehicles, and they must have at least the following coverage:
• No-fault insurance
• Liability insurance
• Uninsured motorist insurance
Every type of coverage must meet the state required minimum, and they must be in force while the driver is on the road.
Minimum No-Fault Insurance
Also called “personal injury protection,” no-fault insurance will pay for any medical bills and loss of income after an accident occurs, and it will pay no matter whose fault it was.
No-fault insurance will cover you whether you’re a driver or a passenger, and any people who are riding with you will be covered under their policy.
Minimum Liability Insurance
Liability insurance would pay for any damages or injury if the accident was your fault.
If you were involved in an accident for which you are at fault, the other driver’s no-fault coverage would kick in first, and your liability insurance will cover any excess of that amount.
Minimum Uninsured/Underinsured Motorist Coverage
Even though the State of Minnesota requires every driver to have auto insurance, there are many who don’t. This type of coverage is meant to protect you from any liabilities if you get into an accident with one of these drivers.
If you want to get an affordable auto insurance policy that meets the state’s requirements, Pizano Insurance in Wayzata MN can help you get one that you can easily afford. Feel free to reach out to us so we can discuss your needs.
Additional Coverage Options
Despite the state required minimum, there are other types of coverage you can purchase that can give you an extra level of protection. Some of these may include:
• Collision – Will cover any damages that are caused by an accident
• Comprehensive – Will cover any damages that aren’t traffic-related
If you want to purchase a comprehensive policy at an affordable price, Pizano Insurance has a team of experienced agents that can help you. We’ve been serving the people of Wayzata, MN for a long time, and we understand the needs of our community. If you want to speak to one of our agents, get in touch with us today!