Minnesota Auto Insurance
Minnesota
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During the year of 2006, there were 78,745 automobile accidents in the state of Minnesota. Believe it or not, this is the lowest number of crashes reported annually since the early 1960s. These accidents resulted in 494 deaths on the roads of Minnesota. Over the last decade, the average has been about 600 deaths per year. Of all Minnesota car crashes in 2006, over 35 thousand people were injured, 1,844 of which were serious injuries. The Minnesota Office of Traffic Safety and other state departments make considerable efforts to encourage and enforce safe driving practices. Even the most responsible drivers need proper auto insurance to protect themselves and their property in case an accident should happen. Learn more about Minnesota auto insurance requirements and compare companies to find the lowest rates.
Mandatory auto insurance for registered vehicles in Minnesota includes personal injury protection (40/20/20), liability (30/60/10) uninsured (25/50) and underinsured (25/50) coverage. If you want to make sure that you have additional coverage for other potential situations, you may consider collision or comprehensive insurance. Collision insurance would pay for damage to your car when you are involved in an accident with another vehicle or object. Comprehensive insurance would pay for damages that were not incurred during a collision. Comprehensive insurance would cover losses resulting from falling objects, theft, fire or an accident involving a deer or other animal.
Minnesota car owners and drivers must maintain No Fault insurance, in adherence with Minnesota's No Fault Act, and must carry proof of this insurance at all times. If a law enforcement officer requests proof of valid insurance, you may present one of the following acceptable forms: a current insurance policy, a written statement, or an insurance identification card issued by your company. State also prohibits vehicle owners to drive, or allow other drivers, to operate uninsured vehicles. Violating this law can result in fines, the loss of driving privileges and even imprisonment. By registering a vehicle in Minnesota, you are essentially attesting that the vehicle is properly insured according to auto insurance regulations.
Every vehicle owner should understand the Minnesota auto insurance minimum requirements but also consider increased coverage. Taking the time to compare online auto insurance quotes can save you a great deal of time and money in the long run.