Minnesota Car Insurance Quotes

No-fault coverage 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 such as lost wages, replacement services, etc. Coverage beyond these minimum amounts may be purchased.

Minnesota state law requires minimum liability coverage of:

• $30,000 for bodily injury or death to one person.
• $60,000 total per accident for bodily injury or death.
• $10,000 for damage to property.

and Uninsured/Underinsured coverage of:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.