Apr 212011
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Minnesota drivers enjoy the luxury of no-fault car insurance laws so there is no burden of guilt to drivers in most car accidents. How no-fault car insurance works is no driver is ever declared to be at-fault so each injured parties car insurance company will pay for damages to their respective vehicles and persons. Minnesota drivers need to carry car insurance with the following minimum levels of coverage as per state laws (2010):
Bodily Injury Liability
- $30,000 liability insurance per accident per person
- $60,000 liability insurance per accident (all persons)
- $10,000 property liability coverage
UM and UIM
- $25,000 / $50,000 of (UM) Uninsured Motorist Coverage
- $25,000 / $50,000 of (UIM) Underinsured Motorist Coverage
Personal Injury Projection
- $40,000 PIP per accident per person per accident (at least $20,000 for medical expenses and $20,000 for other expenses such as loss of income)