Minnesota is a “no fault” state, which can be an advantage to drivers in the state. As a result of the no fault status of the state, the damage the driver experiences from an accident are paid back to him or her regardless of who was at fault for the accident. Nonetheless, Minnesota has minimum liability auto insurance policies just as in every other state in the union.
Minnesota drivers are legally obligated to carry a minimum coverage of 30/60/10. This means that the minimum coverage a Minnesota driver must have for injury liability coverage is $30,000 per person. Minnesota drivers must also carry a minimum coverage or $60,000 per accident. Every driver in Minnesota must also have $10,000 worth of coverage for property damaged in the accident.
Bodily Injury Liability insurance, or simply BI for short, is a form of insurance that is meant to help pay the cost of injuries resulting from the accident. This coverage, which must be in the amount of $30,000 per person and $60,000 per accident, covers the costs associated with the injuries or death of other drivers, passengers, or pedestrians resulting from the accident.
Property Damage, which is referred to as PD for short, must be in place with at least $10,000 worth of coverage in Minnesota. This type of insurance coverage pays the costs associated with replacing or repairing property that was damaged as the result of the accident. The property covered may include the vehicles involved in the accident or any other property that may have somehow been involved.
In order to register their vehicles in Minnesota, drivers have to provide proof that they have auto insurance in place. Drivers are required to carry proof of insurance with them when they are driving a vehicle as well. Minnesota drivers have a number of different options available to them when it comes to providing proof of insurance coverage.
The easiest method a Minnesota driver can use to prove car insurance coverage is to carry the temporary insurance card provided by the insurance company. If this card is lost or otherwise unavailable, however, the driver may use alternate forms of documentation. For example, a Minnesota driver may show his or her receipt for payment of the insurance premium or may use the insurance binder issued by the insurance agent for proof of coverage. Minnesota drivers may also show the current declarations page from their liability insurance policy or the actual insurance policy itself as proof of insurance. Another option is for the driver to show the certificate of liability insurance policy that he or she received from the insurer or from an authorized agent.
Minnesota drivers that have recently purchased a vehicle must also demonstrate proof of insurance coverage. If the vehicle was purchased within the past 30 days, proof of insurance coverage for the vehicle that was replaced can be used to prove coverage for the current vehicle.