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Minnesota Auto Insurance

When you are behind the wheels, you might feel that you are a tad safer. That notion is highly inappropriate. Let me explain why - whether you are going to believe it or not, you must realize that many people die or become disabled for the rest of their lives as a consequence of motor vehicle accidents.

One of the methods to protect yourself and your loved ones is to invest on auto insurance. Auto insurance is just like health insurance or home insurance coverage. An insurance company will take care of all the expenses incurred - if in case you (or your loved ones) meet with an accident.

For the time being, we will concentrate on the auto insurance laws that prevail in Minnesota. As we had seen in Michigan, this state also follows the no fault policy. The auto insurance companies in Minnesota must pay up for all the expenses incurred to both the parties.

However, the no fault auto insurance coverage comes at a price. For instance, you must opt for additional protection from the same company. This might include uninsured and underinsured motorist coverage. No insurance company in Minnesota is allowed to waive these for their clients!

What is the lowest liability amount that the auto insurance you opted for, must cover? The package must include a minimum of $10,000 to compensate for the losses that occur to the properties. Likewise, $30,000 and $60,000 are the minimum liability amounts that the insurance package must suffice for injury to one person or to a group.

Personal injury protection has been given due importance in this state. As mentioned earlier, all the vehicle owners must own at least one form of PIP and the minimum liability amount is $40,000. Interestingly, the law claims to divide the amount into two - one part for covering the medical expenses that the affected incurs and the other part for ulterior methods of compensation (read lost wages).

I need not have to emphasize once again upon the importance of carrying all the insurance related documents with you while using the vehicle in public property. Officers might stop you and ask you to produce these documents. If you fail to do so, you will have to face anything from cancellation / suspension of the license or registration of the vehicle to nominal jail time.

Head over to the official website of the Department of Minnesota State Government to learn more about the paradigm. Newer revisions to the existing laws are outlined in this portal. Besides, you have the provision to file a complaint against the dishonest practices of your auto insurance provider in Minnesota.

Thanks to the advent of the internet and various other technologies, you can opt for an auto insurance package sitting from your home. Almost all the insurance providers in this country have enabled services that will allow you to learn in depth about the auto insurance quotes in real time. Compare these insurance quotes and formulate a wiser decision.

Some of "our" insurers...

AAA Auto Insurance

The Auto Insurance Company that's known to defend the rights of each motorist, as well as provide great coverage...

Allstate Auto Insurance

Allstate is the second largest car insurer in the United States, and one of the most financially secure ones too!

State Farm Auto Insurance

State Farm Insurance is the largest auto insurer in the United States and has been so for sixty-seven years. A true giant in car insurance!

21st Century Auto Insurance

For over 50 years, 21st Century Auto Insurance has been gaining market share, and we believe they're one of the best insurers out there...

GEICO Auto Insurance

One of the country's most trustworthy insurers, insuring well over 10 million motor vehicles on the road today...

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