Are you driving with an inadequate auto insurance policy? Many people in Wayzata, MN and beyond think that purchasing Minnesota’s minimum state insurance limits are enough to cover them in case of a major accident. Unfortunately, that isn’t the case in many situations. That’s why our agents at Pizano Insurance are determined to get you a policy that will keep your vehicle protected on the road.
What’s required for auto insurance coverage?
Being a "no-fault" state, Minnesota requires all motorists to have Personal Injury Protection (often referred to as PIP), as well as liability and uninsured motorist coverage. PIP protects you if you get into an accident, regardless of who’s at fault. In addition, Minnesota drivers must secure state minimums for liability coverage, which protects other motorists and vehicles in case of an accident. Uninsured motorist policies cover expenses after PIP policy limits have been reached on the other driver’s policy. It also covers you if you’re involved in a hit-and-run accident.
Is this enough coverage?
The answer to this question depends on what you need in order to protect you, your passengers, and your vehicle in case of an accident. Are you prepared if your car is hit by a falling object like a tree branch? What if your windshield is damaged? What happens if your vehicle is stolen? Optional insurance plans offered by our team at Pizano Insurance can help answer these questions, and protect your vehicle from them. We can help the residents of Wayzata, MN, and other areas find the right plan auto insurance plan.
If you have questions on whether you have the right type of car insurance policy, our agents at Pizano Insurance can help. Get a quote on a new auto insurance plan by using our free online tool, or visit our website for more information.