Optional coverage applies in cases of damage to your vehicle.
If you are at fault, damage to your vehicle as a result of an accident with another vehicle or object is covered under the COLLISION portion of your policy.
If your vehicle is stolen or damaged by vandalism, fire, or impact with a deer, or falling objects, you are covered under the COMPREHENSIVE portion of your policy.
Recap Of Required Coverage
Required coverage applies when you and others covered by your policy are in an accident:
You collect on your PIP benefits, regardless of whether you or the other driver is at fault. This is the no-fault portion of your policy.
If the other driver is at fault, you make a claim against his or her LIABILITY when your PIP benefits run out. You also can make a claim for damage to your vehicle.
If the other driver’s liability is insufficient, you collect on your UNDER-INSURED benefits for PIP coverage.
If the other driver has no insurance, you collect on your UNINSURED benefits for PIP coverage.
Minnesota Auto Insurance: Required Coverage
Minnesota Auto Insurance: Optional Coverage
Minnesota Auto Insurance: Renting & Loaning
Minnesota Auto Insurance: No-Fault Coverage
Minnesota Auto Insurance: What Affects Policy Cost?
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