Auto insurance protects you and your assets in case of loss, injury, or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:
- Liability – The legal responsibility that a driver has to pay for any damages or injuries that they cause to others while operating their vehicle
- Collision – Coverage that pays for damages to your vehicle caused by a collision with another object, such as another car, a tree, or a guardrail.
- Comprehensive – Pays for damages to your vehicle caused by non-collision events, such as theft, vandalism, fire, falling objects, and natural disasters.
But additional protection may include:
- Medical Payments.
- Emergency Road Service
- Uninsured Motorist Protection.
Minnesota & No-Fault State
Minnesota is a no-fault state for auto accidents, meaning drivers must carry Personal Injury Protection (PIP) coverage as part of their auto insurance policy. In the event of an accident, each driver’s insurance company is responsible for paying their medical expenses and other costs, regardless of who was at fault for the accident. This system is intended to help streamline the claims process and reduce the need for litigation, but it can also limit the ability of accident victims to sue for damages. In Minnesota, drivers can still be held liable for property damage, serious injuries exceeding the PIP coverage limit, or cases of intentional or criminal behavior. Drivers need to understand their insurance coverage and their rights in the event of an accident in a no-fault state like Minnesota.
What’s insurance for, anyway?
Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.
Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.
Contact us today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.
Car insurance is required
In most states, you’re required by law to carry car insurance. It’s easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
There is a difference
You may think you want the cheapest auto insurance you can find, but cheap isn’t everything.
While most auto insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all auto insurance policy when it comes to your automobile.
Contact us today, and we’ll help you protect what matters most.