Minnesota is a "no-fault" state when it comes to car insurance. This means the insurance companies pay for damage to their customer’s car, and for any injuries, regardless of who is at fault. In Minnesota fault still matters because you could still be sued, or file a suit, against another driver if the damages are big enough. Pizano Insurance in Wayzata, MN is here to help you get the coverage you need and to help you understand what no-fault insurance means.
If you are in an accident in Minnesota, and your damages do not exceed $20,000, you only have to go to your own insurance company to file a claim for damages. The other driver will do the same.
For minor fender-benders, there is no need to get too concerned. However, you should still not sign anything or admit anything The procedure is pretty much the same for any accident though. Stop your car and turn off the engine. Call 911 and see if anyone is injured. Exchange information with other drivers. If you have any injuries, even if they seem small, seek medical attention. From there you only need to contact your insurance agency.
If it is a major accident with major damages, or if someone is killed, there may be more legal issues. Be cooperative but do not admit fault or sign anything.
Stop by, or call Pizano Insurance in Wayzata, MN to make sure you have the insurance you need on your car There are minimum requirements for coverage, and many people want more insurance than the minimum. Liability coverage is the minimum required, but many people want comprehensive and collision coverage to protect their own car. Existing customers are invited to stop by and make sure their policy is up to date.