Minnesota Laws

Minnesota is a no-fault state. This means that your insurance company pays most of the economic losses you suffer in an accident, regardless of who was at fault.  No-fault IS the Personal Injury Protection (PIP) on your policy, sometimes referred to as Basic Economic Loss Benefits. No-fault covers your medical costs, wage loss, replacement services such as housekeeping, and in the event of death, $2,000 of funeral expenses.

Minimum Amount of Coverage Required in Minnesota:

A. Liability Coverage (protects your assets in case you are found to be at fault in an auto accident):

• $30,000 for injuries to one person

• $60,000 for injuries to two or more people

• $10,000 for physical damage to the other driver’s vehicle or for damage to property

B. Personal Injury Protection (PIP or No-fault) (provides for immediate medical care and at least partial wage-loss reimbursement without waiting for the outcome of a lawsuit):

• $40,000 per person per accident ($20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.)

C. Uninsured (provides compensation for your injuries when caused by another driver who has no insurance at all):

• $25,000 for injuries to one person

• $50,000 for injuries to two or more people

D. Underinsured (provides compensation for your injuries when caused by another driver who has inadequate insurance):

• $25,000 for injuries to one person

• $50,000 for injuries to two or more people

Optional Coverages:

A. Collision covers damage to your auto when you are involved in an accident with another vehicle or object.

B. Comprehensive covers a loss that is NOT the result of a collision. This usually includes fire, theft, falling objects, or an accident involving a deer.

Related Topics:

• Minnesota Laws

• Process of Filing an Minnesota Car Accident Claim

• Damages you can Recover

• Disputing a Claim

• Minnesota Car Accident Facts