Minnesota’s minimum auto insurance coverage required includes liability coverage of $30,000 per person and $60,000 per accident for bodily injuries. Additionally, you are expected to carry $10,000 of liability coverage for property damage. The state also mandates personal injury protection (PIP) coverage of $20,000 for replacing lost wages and $20,000 toward medical expenses, covering up to $40,000 per person in your vehicle in an accident, regardless of who is at fault.
Furthermore, Minnesota requires bodily injury coverage for all in-state insurance policies written for uninsured and underinsured motorists. Each driver must carry a minimum of $25,000 per person and $50,000 per accident.
At Brittany Olson Insurance Agency LLC in Cloquet, MN, our knowledgeable licensed insurance professionals will help you make the best decision concerning your auto insurance coverages that fit your unique needs and budget.
The Importance of Underinsured Motorist Coverage
Underinsured motorist coverage is essential for Minnesota drivers as it covers additional bodily injuries you or your passengers may incur if you are in an accident with someone with inadequate liability bodily injury coverage. For instance, if you are in an accident where the other driver is liable for your injuries and you have $50,000 in medical bills, but the driver at fault only carries the state minimum liability for bodily injuries on their auto policy, which is $30,000, your underinsured motorist bodily injury coverage would cover the remaining $20,000 toward your medical expenses.
Contact Us for More Information
At Brittany Olson Insurance Agency LLC in Cloquet, MN, we can help you select the best auto insurance coverage to protect you and your family. For more information about underinsured motorist coverage or any other auto insurance questions, call us at (218) 499-8636.
