The state of Minnesota follows a No-Fault
system meaning your insurance company will make payments for
your injury claims regardless of fault, up to a specified limit.
You should be aware that the details of a no-fault system vary
from state to state and it is best to check with your state
insurance regulator.
Visit our
State Insurance Regulators page for a list of links to all
the state insurance regulators websites.
Minnesota state law requires minimum
Bodily Injury Liability coverage of $30,000 per injured person
up to a total of $60,000 per accident, and Property Damage
Liability coverage with a minimum limit of $10,000. This basic
coverage is often referred to as 30/60/10 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. Minnesota state law
requires a minimum Personal Injury Protection coverage of
$40,000.
To help protect against damages caused to
you and your passengers by an uninsured driver, Minnesota state
law requires a minimum UnInsured/UnderInsured Motorist coverage
of $25,000 per person, $50,000 per accident for any bodily
injury caused by the uninsured driver.
