What Auto Coverage is Required in Minnesota?

If you own a vehicle in Minnesota, you’re required to have auto insurance coverage. Auto policies offer both mandatory and optional coverage options to protect you on the road. By discussing these options with an agent from Lakes Central Insurance Brokers in Brevard, MN, you can make wise auto insurance decisions to safeguard your travels. Here’s what you should know about auto coverage in Minnesota.

Required Coverage

Auto liability coverage is required in Minnesota by law. This insurance covers the cost of injuries or property damage to other drivers or pedestrians in accidents that are your fault. Minnesota also requires that you have bodily injury uninsured motorist coverage to help pay for your medical expenses if you’re hit by someone who doesn’t have adequate insurance coverage to pay for these costs.  

Like many states across the country, Minnesota has a no-fault policy when it comes to auto coverage. This means if you’re injured in an auto accident, your insurance company will cover your medical costs up to the limits of your policy, regardless of who was at fault.

Optional Coverage

In addition to required auto coverage, you have a choice of optional coverage to help protect your vehicle from damage or loss. If you drive an expensive car, you’ll want as much protection as you can get to help cover its value.

Collision coverage helps pay for your vehicle repairs when it’s damaged in a collision. Comprehensive insurance protects your car from theft and covers damage caused by non-collision incidents such as hail, falling debris, animal strikes, and vandalism. Roadside assistance helps pay for towing costs if your car breaks down unexpectedly, making sure you get to a garage safely for repairs.

Contact Lakes Central Insurance Brokers in Brainerd, MN today for the essential auto insurance coverage you need to keep you safe on the road.