For Minnesota auto insurance customers, there are certain types of coverage that are required by the state. Since Minnesota is a no-fault state for car insurance purposes, drivers buy Personal Injury Protection coverage. This part of the policy pays a benefit for medical bills and lost wages.
It also pays out for replacement services. If you are unable to perform certain duties, such as looking after your home or minor children following an accident, you would receive funds to hire someone else to do them for you.
Liability coverage pays for the damage you cause to another driver’s vehicle following an accident. It also gives you an extra level of protection if the damages you cause are severe.
Uninsured motorist coverage pays out when the at-fault driver in an accident does not have insurance or cannot be identified. It tops up your Personal Injury Protection coverage if you are severely injured and pays out a benefit that the at-fault driver would otherwise be responsible for paying.
Underinsured motorist coverage pays for medical claims for people covered under your car insurance policy when the at-fault driver has some coverage available but his or her policy limit is not high enough to pay for these expenses.
Before you decide to buy Minnesota auto insurance coverage, take some time to compare rates from different providers. You will find that pricing can vary significantly, and by shopping around you can avoid paying more than you have to.