MN Auto Insurance: Optional Coverage

Optional coverage applies in cases of damage to your vehicle.

Auto Insurance

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.

MN Auto Insurance: Required Coverage

Who is covered by your policy?Minnesota Auto Insurance

You are covered by the policy in your name. Any relative living in your home, who does not have a policy of his or her own is covered by YOUR policy. This includes a spouse, children, or a minor in your custody or  the custody of a relative. A driver using your car with your permission, who is not covered by another policy, will be covered by your policy.

What are the types of coverage that are required in Minnesota?

Personal Injury Protection  (PIP) provides basic economic loss benefits. If you are injured in an accident, this portion of your policy pays you and members of your household, within the stated limits, for medical expenses, lost wages, and replacement services. These costs are paid no matter who is at fault. This is what is known as “NO FAULT” coverage.

Liability covers claims to your policy from another driver. It is also the portion of your policy that covers damages to another’s vehicle, within the stated limits, when an accident is your fault.

Underinsured coverage pays within stated limits, only for medical claims of those covered by your policy. These benefits are in addition to your PIP benefits and are used when the other driver is held responsible for the accident and does not have enough liability coverage to cover your medical claims.

Uninsured pays for your medical expenses after you have exhausted your PIP benefits and when the other driver is held responsible for the accident but is not covered by insurance.

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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