There are 3 types of car insurance must have in the state of MN ( Minnesota ) : No- fault insurance , liability insurance and uninsured car insurance .
No Fault Insurance
No-
fault coverage , or personal injury protection ( PIP ) , will pay your
medical bills and loss of income after a car accident , regardless of
who caused the accident PIP Coverage also applies to your family .
Minimum limit for PIP prevailing in Minnesota is $ 20,000 for medical
coverage and $ 20,000 for loss of income . PIP will also cover you if
you are a passenger in someone else's car . Passenger cars will be
covered by your own PIP .
Liability insurance
Minnesota
auto insurance laws also require you to have auto liability insurance .
Liability insurance helps pay for injuries and property damage
resulting from car accidents due to your negligence . Minimum limit car
insurance Minnesota is : $ 30,000 for injuries per person . $ 60,000
total per accident injuries . $ 10,000 for property damage . car
accidents are caused by you , the other driver PIP will take effect
first . Your liability coverage will cover expenses that exceed
insurance no fault of the other driver
If
you have an accident caused by a driver without insurance , the
uninsured motorist coverage will help cover your medical expenses that
exceed the limits of your PIP . If you are in a car accident caused by a
driver underinsured mistake in - your underinsured motorist coverage
will help pay for medical expenses above your PIP insurance The minimum
limits for uninsured motorist coverage / underinsured are : $ 25,000 for
injuries per person . $ 50,000 for a number of injuries in the accident
. Additional Car Insurance In addition to car insurance that you must
have , there are other types of car insurance that you might consider if
you 're in Minnesota
Some car insurance companies MN to offering additional protection , among others :
- Collision - This will help cover the damage - car accidents related to yours
- Comprehensive - This will help cover the non - traffic -related damage to your car , for example , vandalism.
- Car rental .
- Roadside assistance .
During driving in MN , you are required to carry proof of valid insurance covering :
1. Your auto insurance ID card .
2. Copy of your insurance policy .
3. A letter from your insurance carrier .
If you do not have car insurance , you face the following penalties :
Confinement / imprisonment .
minimum fine of $ 200 .
Driver's license revocation .
Revocation of registration of vehicles