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Minnesota Auto owners with Auto Insurance Coverage

Auto Insurance

Auto Insurance

Do you own a car in Minnesota? I bet you know that auto insurance is mandatory in The North Star State. But do you understand the minimum requirements? Are you aware of the different auto insurance coverages available? If you are unsure about Minnesota auto insurance, you are on the right page. At Perrine Agency Inc., we will explain the nitty-gritty about auto insurance. And if you still have questions, you can contact us for more clarification.

What is the state-required auto insurance?

Like many states, Minnesota has minimums that motorists must adhere to if driving or parking on public roads. The minimum auto insurance required in Minnesota are:

  • Bodily injury liability: This insurance plan comes to your rescue when you are deemed liable for an accident that causes physical harm to other people. The state requires you to purchase at least $30,000 per person and $60,000 for an accident involving several people.
  • Property damage liability (PDL): This insurance coverage protects you when you are accused of property damage following a car accident.
  • Personal Injury Protection (PIP): This coverage pays for your medical costs when involved in an accident. Besides, this insurance plan covers partial loss of income if you can’t resume your job because of injuries.

Optional insurance coverages

If you are shopping for insurance coverage in Minnesota, below are additional insurance coverages you need to consider for well-rounded protection.

  • Collision coverage: This insurance plan covers your vehicle from physical damage following a collision with other motorists or a stationary object.
  • Comprehensive coverage: This coverage cushions your vehicle against physical damage from non-collision perils like theft, fire, and natural disasters.
  • Roadside assistance: You access services like towing and gas delivery whenever your car stalls away from home when you have this coverage.
  • Uninsured/underinsured motorist coverage: This coverage protects you in hit-and-run scenarios and when you are hit by an at-fault driver who doesn’t have insurance.

Need auto insurance in Minnesota? Why don’t you get in touch with Perrine Agency Inc.? We provide personalized auto insurance that meets your unique needs.

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