Covering Someone Else’s Medical Bills in an Accident in Little Falls, MN

If you live in Little Falls, Minnesota, you are probably like most people in the United States who own and operate motor vehicles. However, while cars can be a source of great convenience, they can also be a source of great stress. Car accidents can be extremely stressful for all involved, especially those who end up having to pay medical bills.

Minnesota is a no-fault auto insurance state, meaning that anybody who is involved in an accident can quickly recover medical bill costs, lost earnings, and other economic losses, regardless of who is at fault in the accident. The state of Minnesota requires that anyone who owns and operates a motor vehicle have personal injury protection with a minimum coverage of $20,000 for medical care and $20,000 for loss of earnings and replacement services. Although auto insurance will cover most if not all of the damages in most cases, there are some cases where it will not completely cover all of the medical expenses that are involved. In some of these cases, the driver of the other car, if you are at fault, can file a claim against you. In this situation, you can actually be put in a position where you have to pay this person’s medical bills for the accident that you are considered at fault for.

Hanneken Insurance Agency, Inc. has many experienced insurance agents who can help you figure out what you need to do when you are in an accident in Little Falls, MN. They can answer all of your questions about auto insurance in Little Falls, MN, as well as tell you anything that you need to know in the event that you are in an accident and need to pay medical bills. Hanneken Insurance Agency, Inc. can be a great resource for you in this city.

Commercial Insurance: An Intelligent Way To Protect Your Business

Hanneken Insurance Agency Inc. is in business to make certain that your business is taking care of business instead of harboring needless concern about your insurance liability. As we serve the great people of Minnesota we and all the residents of our great state pride ourselves on providing every type of protection for all we come in contact with. Insurance needs are not different.

As much as we try to avoid them, unfortunately accidents happen and it is an intelligent decision to protect yourself, your family and your business before the incident occurs. In this way you are guarding yourself against the inevitable.

Hanneken Insurance Agency Inc. hosts a creative, knowledgeable and efficient staff of agents who have acute awareness of the common and not so common events that can transpire at your place of business. Serving our clients and appropriately informing you of some “mishappens” that really do happen is our way of ensuring that your commercial insurance procurement experience is the absolute best it can be.

Intelligent Points of Consideration When it Comes to Commercial Insurance

How many individuals call my business their place of employ? What can occur to them while they are on the job that I am responsible for? Are they driving company vehicles and if so are they insured if they are hurt or if they hurt someone while they are driving my company’s car? Is the company car properly insured?

Liability changes depending on if you own the structure that houses your business or if you are leasing the structure. How is the liability different in each case?

This is only the beginning of the intelligent discourse that must transpire with your agent. Call us today.  

At Hanneken Insurance Agency Inc. it doesn’t stop with commercial insurance. Please consider us to assist you with acquiring all of your life, automotive, recreational vehicle insurance needs with intelligence, professional concern and unparalleled ability.