MN Auto Insurance: Pet Car Insurance

A Peace Of Mind With Fluffy In The Car

Pet Auto Insurance

Some auto insurers are providing motorists with a little more peace of mind when they’re behind the wheel with Fido or Fluffy. Special car insurance helps cover the cost of care if pets are injured in an auto accident.

 

This isn’t pet health insurance which covers a pet that needs treatment at a veterinarian’s office. Instead an auto insurer’s pet-injury coverage typically kicks in if a pet is traveling in your car, is injured in an accident and needs veterinary care. Some policies also pay out if the pet is killed in a crash. (Also be aware that pet owners can take precautions to keep their pets safer in cars.)

Progressive was the first car insurance company to offer pet coverage, starting in 2007. Other car insurance companies have followed suit. If you are shopping for a car insurance plan that covers pets, be aware that coverage varies by insurer.

Tips for traveling by car with pets

Cats should be in a cage or in a special carrier to allow them to feel secure and prevent them from crawling under your feet while you’re driving.

A dog that must ride in a truck bed should be in a protective kennel that is fastened to the truck bed. Dogs riding in a car should not ride in the passenger seat if it equipped with an airbag, and should not be allowed to sit on the driver’s lap.

Harnesses, tethers and other accessories to secure pets during car travel are available at most pet stores.

Pets should not be allowed to ride with their heads outside car windows. Particles of dirt or other debris can enter the eyes, ears and nose, causing injury or infection.

Insurance Advisors, Inc.

Sources: http://money.msn.com/auto-insurance
American Veterinary Medical Association

 

MN Auto Insurance: No-Fault Coverage

What is No-Fault Coverage?No-Fault Coverage| MN Auto Insurance

No fault coverage is widely misunderstood. Many drivers believe that their insurance company will cover ALL losses in an accident, regardless of who is at fault. But “no-fault” coverage applies ONLY to expenses resulting from injuries sustained in an accident. Here are some other facts about no-fault coverage.

No-Fault is a Minnesota law.

It was established to help ease the burden of courts and to ensure prompt treatment for accident victims.

No-fault IS the Personal Injury Protection (PIP) on your policy, sometimes referred to as Basic Economic Loss Benefits.

No-fault covers your medical costs, wage loss, replacement services such as housekeeping, and in the event of death, $2,000 of funeral expenses.

No-fault claims are first made on your own PIP. If expenses then prove greater than the PIP limit on your policy, or you attain specified thresholds, you may make a claim against the other driver’s liability coverage if the other driver is found to be liable.

Minimum no-fault coverage is $40,000. That amount is available to each person injured in an accident; $20,000 is allowed for medical expenses and $20,000 may be used for non-medical expenses. Coverage beyond these minimum amounts may be purchased.

No-fault usually does not apply to accidents when you are riding your motorcycle or snowmobile. You must purchase a separate insurance policy covering these vehicles, and the policies will not include personal injury protection. PIP coverage for snowmobiles or motorcycles can, however, be purchased separately.

No-fault claims must be made within six months of the accident. You must include proof of expenses, complete an application for benefits, and submit to a medical examination if requested. Bills should be submitted to the insurance company as they come in.

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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Part 5 : “What Affects Policy Cost”