Minnesota law requires a minimum of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $10,000 per accident property damage liability for auto insurance. Uninsured/Underinsured motorist liability is also required, with a limit of $25,000/$50,000. It is also mandatory to carry personal injury protection with a $40,000 limit. Check with your auto insurance company to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

If you are at fault in an accident, bodily injury liability will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of your auto insurance company representing you in court.

When you cause accidental damage to another person’s property with your vehicle, property damage liability will cover the cost of repairing the damage. It will also cover any legal costs that may ensue from the accident. Any additional costs exceeding your coverage amount could leave you paying for repairs out of pocket.

If you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured/underinsured motorist coverage will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Personal injury protection covers the medical expenses of you and your passengers when in an accident, regardless of who was at fault. You may consider using this coverage in conjunction with the coverage of your current health insurance policy. It also covers the medical expenses of any pedestrians struck by your vehicle. If you carpool, you will want to consider increasing the limit of your personal injury protection beyond the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

Minnesota operates under a no-fault system, meaning the medical expenses of an individual’s injuries are the responsibility of that same individual’s auto insurance company, regardless of who was at fault for the accident. In other words, each person pays for their own medical expense. First, your personal injury protection coverage will pay for expenses. If this is amount does not cover all of your expenses, then you may make a claim against the other driver if the other driver is found liable.

Failure to hold current auto insurance in the state of Minnesota will lead you to trouble, especially if it’s not your first time getting caught without it. Depending on which jurisdiction you’re in, you could be given a fine that could range from $250 to $1,000. Time in prison (up to 90 days) is also possible.

Minnesota Auto Insurance Requirement Chart:

• Bodily Injury Liability: $30,000/$60,000 Limit
• Property Damage Coverage: $10,000 Limit
• Uninsured/Underinsured Motorist Bodily Liability: $25,000/$50,000 Limit
• Personal Injury Protection: $40,000 Limit

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