Knowing Your Automobile Insurance in Minnesota

By Tom Weidner | Personal Injury

In Minnesota, all licensed vehicles are required to carry insurance including personal injury protection (PIP/No-Fault), liability, uninsured and underinsured coverage. Many people are unclear about what their policy covers until it’s too late. Here is a breakdown of the coverages required in Minnesota:

  • Personal Injury Protection (PIP/No-Fault): Provides coverage for economic loss benefits, such as medical bills and lost wages. Benefits are paid no matter who is at fault for the collision. The minimum coverage is $20,000 in medical coverage and $20,000 in lost wages and/or replacement services.
  • Liability: Covers the negligent driver where an injured person makes a claim for damages including property loss and “pain and suffering.” The minimum coverage required in Minnesota is $30,000/$60,000.
  • Underinsured: Provides coverage when the driver at fault for the collision does not have enough insurance to compensate you for your injuries. The minimum coverage required in Minnesota is $25,000/$50,000.
  • Uninsured: Covers you if the at fault driver does not have any insurance. The minimum coverage required in Minnesota is $25,000/$50,000.

we can help!

Our personal injury team can help you navigate the web of insurance coverage(s) and help maximize your benefits. If you have been injured in an accident, contact our Personal Injury Team today at (651) 439-2878.

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