| With over 14,000 miles of highway, and | | | | For example, if you insure two cars and select |
| magnificent scenery, there's a lot to see and do in | | | | stacking, your personal injury protection medical |
| Minnesota. But before you hit the roads, you | | | | limits would increase from $30,000 to $60,000 |
| might want to make sure you have the proper | | | | and your economic limit of $20,000 would |
| MN car insurance coverage and the cheapest | | | | increase to $40,000. Your deductible would not be |
| Minnesota car insurance. | | | | affected if you elect to stack your personal injury |
| The state of Minnesota is a no-fault car insurance | | | | protection, but your car insurance premium would |
| state. This means that your insurance company | | | | increase. |
| will pay for your and your passengers reasonable | | | | Minnesota also requires that you carry uninsured |
| and necessary injury claims as the result of an | | | | underinsured motorist bodily injury coverage in |
| accident up to the amount specified on your car | | | | the minimum amount of $25,000 per person, |
| insurance policy. | | | | $50,000 per accident for any bodily injury caused |
| Under Minnesota state law, you must have bodily | | | | by an uninsured or underinsured driver. The |
| injury liability coverage of a minimum of $30,000 | | | | uninsured/underinsured coverage will pay for |
| per injured person up to a total of $60,000 per | | | | medical expenses, lost wages, other general |
| accident. If you or another driver under your MN | | | | damages, and any injuries in a hit-and-run accident. |
| car insurance policy is found to be at fault in an | | | | This coverage protects you, other drivers listed |
| accident resulting in injury or death you are | | | | on your car insurance policy, and passengers. |
| covered for such things as medical expenses, lost | | | | In the state of Minnesota there is a number of |
| wages, pain and suffering, and legal defense if the | | | | optional car insurance coverage features you |
| drivers listed on your policy are involved in a | | | | might want to consider. |
| lawsuit as a result of an accident. In other words, | | | | If your car is leased or financed, your lending |
| bodily injury coverage pays for damage to a third | | | | institution may require that you carry collision |
| party. | | | | coverage. This coverage protects you for repair |
| Minnesota law also requires you to carry a least | | | | or replacement costs of your car that has been |
| $10,000 of property damage coverage. If you or | | | | involved in an accident with another car or object, |
| a driver listed on your car insurance policy is | | | | or has rolled over. |
| found to be at fault in an accident, property | | | | Comprehensive car insurance while not required in |
| damage liability coverage will pay for damage to | | | | Minnesota will provide you protection for damage |
| another person's property, such as a fence, car, | | | | not resulting from damage resulting from anything |
| or home, and any legal costs associated with that | | | | other than a collision such as fire, falling objects, |
| accident. | | | | certain natural disasters, and vandalism. |
| If you are registering a car in Minnesota you are | | | | Comprehensive must be included on any car |
| also required to have personal injury protection, or | | | | insurance policy that also has collision coverage. |
| PIP coverage in an amount no less than $40,000. | | | | You might want to consider adding rental car |
| Personal injury liability covers your reasonable and | | | | reimbursement coverage. In order to obtain rental |
| necessary expenses if you or your passengers | | | | car reimbursement you must also have collision |
| are injured in a car accident. The medical portion | | | | and comprehensive car insurance as well. Your |
| of your personal injury protection car insurance | | | | rental car coverage will reimburse you for the |
| will pay for any medical or surgical treatment, | | | | cost of renting a car if your car is in for repair. |
| dental and optical treatment, ambulance and | | | | If you have a lot of customized equipment on |
| nursing services, and necessary medications, | | | | your car, such as running boards, brush bars, roll |
| medical supplies, and prosthetic devices. | | | | bars, undercarriage lighting, fog lights, bed liners, |
| The economic portion of your personal injury | | | | camper shells, trailer hitches, customized wheels, |
| protection coverage will pay for lost wages if you | | | | spoilers, suspension, custom paint or decals, etc., |
| or any of your passengers are unable to work | | | | you might want to consider obtaining customized |
| because of the accident. It also provides for | | | | equipment coverage to protect your investment. |
| substitute services for you and/or your | | | | Some car insurance companies in Minnesota also |
| passengers. Substitute services is available if you | | | | offer loan/lease gap insurance coverage. This |
| or one of your passengers need help performing | | | | coverage can only be purchased if you have |
| household chores or other tasks due to the | | | | collision and comprehensive coverage on your car. |
| accident. | | | | This coverage protects you if your car gets |
| If you or another covered person dies from | | | | damaged. You will reimbursed for the difference |
| accident related injuries, your personal injury | | | | between the actual cash value or your car at the |
| protection coverage will help pay for funeral | | | | time of the loss, minus your deductible and the |
| related expenses. | | | | car's salvage value, any greater amount owed on |
| Minnesota allows you to increase the limits on | | | | your car at the time of the loss, less any unpaid |
| your car insurance for medical and economic | | | | finance charges, excess mileage or wear and tear |
| personal injury by the number of cars you are | | | | charges, or any other expenses associated with |
| insuring. This is called PIP stacking. | | | | the loan or lease, and your car's salvage value. |