When you drive in Minnesota, there are many different types of coverage that you have to have in one auto insurance policy. All of these coverage types are required. If even one is missing, the state will consider you uninsured, and you can be subject to fines and fees. If you need auto insurance for your Minnesota vehicle, give us a call at Hanneken Insurance Agency Inc. in Little Falls, MN.
Liability Auto Coverage
In Minnesota, there are a few amounts of coverage that are required for liability coverage. There is one amount required for one person who becomes injured in an accident caused by your vehicle. There is another, higher amount required for all of the people who are injured in such an accident. Then, there is an amount required for any property damage done to someone else’s property in an accident like this. All of these coverage types pay for the damages to others but not to those in your vehicle.
Other Required Coverages
To pay for the injuries to your driver and/or the passengers, personal injury protection is required. This pays for those injuries as well as a host of other expenses, including lost wages and disability payments as well as a death benefit and survivors’ benefits. The policy is also required to have coverage for both uninsured motorists and underinsured motorists. This can pay for the injuries to those in your vehicle if the motorist who causes the accident either doesn’t have insurance or doesn’t have enough to pay for all of your injuries. This requires one amount for one person who is injured and a larger amount available for all of those who are injured.
Get Auto Insurance in Minnesota
If you need auto insurance, contact us at Hanneken Insurance Agency Inc. in Little Falls, MN.