Minnesota Auto Insurance - (MN)

The auto insurance regulations set forth by the state of Minnesota are intended to protect drivers’ safety and restrict their ability to sue after an accident. Minnesota is unique in that it is a no-fault state. A no-fault system means that the laws allow drivers to collect reimbursement from their own insurer irrespective of fault. Because of this system, Minnesota drivers must carry medical payments coverage as well as uninsured driver and liability coverage. Medical payments coverage usually pays for medical/hospital expenses, funeral and burial costs, and income loss. We’ll elaborate on Minnesota’s rather complex auto insurance requirements in this post.

Auto Insurance Regulations in Minnesota

• Drivers must carry the following amounts of liability coverage:
  • $30,000 for the injuries of one person
  • $60,000 for the injuries of two or more persons
  • $10,000 for property damage
• Drivers must carry the following amounts of personal injury protection (PIP), or medical payments coverage: $40,000 per person per accident ($20,000 for medical costs and $20,000 for non-medical costs like lost wages).
• Drivers must carry the following amounts of uninsured/underinsured motorist coverage:
  • $25,000 for the injuries of one person
  • $50,000 for the injuries of two or more persons
• Drivers must provide proof of insurance upon request. If pulled over by a peace officer, Minnesota drivers must provide proof of auto insurance or they could face a ticket and fines.

Limited Litigation

As mentioned previously, the goal of Minnesota’s no-fault structure is to limit the accident-related litigation that takes place in the state. When drivers must carry personal injury protection (PIP) coverage, they cannot sue another driver for their medical expenses unless they exceed the amount of coverage they carry. Minnesota also limits the awards plaintiffs can receive for property damages in auto accidents.

Department Of Minnesota (MN) State Government That Regulates Auto Insurance:
Web Site: http://www.state.mn.us/portal/mn/jsp/home.do?agency=Commerce

How To Contact Directly:
Minnesota Dept. of Commerce
85 - 7th Place East, Suite 500
St. Paul, MN 55101
Phone: 1-651-296-4026

For Consumer Information:
Phone: 651-296-2488
Or phone toll free: 800-657-3602

Minnesota (MN) Mandatory Auto Insurance Minimums

• Liability: 30/60/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist, Underinsured Motorist — No-Fault State
• Regulations Regarding Proof of auto insurance: Proof Required - If Involved In An Accident,
  If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: First Offense = Fine of up to $100 or Jail Term of up to Ninety Days

How To File A Complaint About An Insurer:

How To Handle Insurance Complaints With Assistance From The Department
The Minnesota Department of Commerce Consumer Response Team (CRT) answers consumer phone calls specifically about insurance.

In the Twin Cities metro area call 1-651-296-2488
Phone: toll free 1-800-657-3602