Liability Auto Insurance Minnesota MN
Reader’s Question:
In Minnesota, what is the maximum auto liability insurance?
Ed
Minneapolis, Minnesota
Typically, a state demands that a person carry certain minimum liability insurance. In Minnesota, each registered vehicle is required to maintain minimum auto insurance for each of the following coverage:
Liability insurance should cover $30,000 for injuring one person, $60,000 for injuring two or more persons, and $10,000 for injuring the driver of the other vehicle or for property damage.
Personal Injury Protection should cover $40,000 per person (50% for medical expenses, 50% for expenses that are not medical in nature such as payment for replacement services and lost wages).
Uninsured motorist coverage must be $25,000 for one person and $50,000 for two or more persons.
Underinsured motorist coverage must be $25,000 for one person and $50,000 for two or more persons.
The state’s Department of Commerce states that if the vehicle is not yet fully paid, the lien holder must require you to have a comprehensive and collision coverage. If you don’t carry this coverage, the lien holder may pursue a “forced insurance” wherein he will carry the coverage and just charge you for it. This may be too expensive for you as it may carry the comprehensive and collision coverage that is above the state’s minimum requirement.
Therefore, there really is no maximum amount for liability insurance. It is only up to you and the lien holder to determine what other coverage you need to keep on top of what the state is requiring.
Tags: auto insurance, liability insurance
SR22 Car Insurance Coverage
Reader’s Question:
Hi. I just moved here to Alabama a couple weeks ago. Since I plan to buy a new car, can anyone tell me the amount of car insurance that I need to get? Thanks! BTW I need sr22 coverage since I have a DUI on my driving record.
Brendan
Montgomery, AL
Hello there buddy! That’s a good question to ask. If you want to drive around Alabama legally, I suggest you hook up with an insurance agent and get yourself car insurance coverage for the following amounts: 1) bodily injury liability insurance coverage of $20,000 for each person up to a maximum of $40,000 for every accident and, 2) a property damage liability coverage of $10,000.
Alabama uses the tort system for vehicular accidents, which simply means the party found to be at fault in an accident has to file the claim with his car insurance company and will be liable for any costs due to the accident. Of course, these are just the minimum auto insurance required and you are more than welcome to get coverage for more than these amounts.
Personally, I would suggest that you also shell out some bucks for some personal injury protection and uninsured or underinsured motorist insurance, as well. I’m sure that with extra car insurance coverage like this, you get more peace of mind. The extra cash you shell out will pay off in the event that you do get into an accident.
If you haven’t purchased a car yet, I suggest checking out different vehicles safety ratings. Some cars get cheaper auto insurance than others.
Car Insurance Claim Massachusetts MA
Reader’s Question:
I am from Massachusetts. A car was barely hit by my son while we were in a slow moving traffic. The SUV owner filed a claim though there was no damage on the bumper of his car. Because of this claim, my son received a surcharge notice. What grounds can we use to appeal to the merit board?
Ken
Lowell, MA
The surcharge points in Massachusetts applies when the driver is determined to be at fault by more than 50% in an accident which results in a damage in property or injury that is worth over $500.
To determine if the accident is more than 50% at fault by the driver, the Massachusetts Division of Insurance requires
to use Standards of Fault (211 C.M.R. 74.00) which provides the common types of accident where the driver is considered to be at-fault by more than 50%. One of the examples is when the car collides with rear of another car. Unless enough evidence is presented to overcome the presumption that the driver is more than 50% at-fault, this will be the basis of the hearing of the appeal.
Once you are determined by your company to be at-fault in the accident, you will then receive a surcharge
notice from your insurance provider. You will also find instructions on appealing surcharges to the Board of Appeals
in the surcharge notice. Unless you become successful in appealing, the surcharges will remain on your record.
The appeal has a filing fee of $50 and has a filing period of 30 days after the surcharge notice was received. Failure to file an appeal within this period will forfeit your right and the points will remain on your record.
In case the points are placed on your premium, this additional premium must be paid while waiting for the date of appeal to avoid from having the insurance company to cancel your policy. If you become successful in your appeal, the insurance company will give a refund for paying the excess premium.
If you did not win in your appeal with the Board of Appeal, you can bring this matter to the Superior Court. You can also contact the customer service of the Merit Rating Board at 617-351-4400.
Tags: auto insurance, auto insurance claims, car insurance
Cheap SR-22 Auto Insurance
Reader’s Question:
When I read about auto insurance policies on the Internet, I always encounter SR-22. What exactly is this? I am from Albuquerque, New Mexico, by the way. How do I get a cheap quote for it?
Maria
Albuquerque, NM
The reason why you always encounter SR-22 in automobile insurance discussions is because it is a car insurance form that is usually required to be filed by many state’s Department of Motor Vehicles (DMV) during certain situations. An SR-22 provides a state’s Department of Motor Vehicles proof that a driver abides by the minimum auto liability insurance requirements of the state where he lives in. Such instances where you’ll need to file an SR-22 form are being caught without the state’s basic liability insurance requirements or being caught under the influence of alcohol (DUI). In these situations, the license of a driver is typically suspended, and before he can have his license reinstated or have his car registered again, he will need an automobile insurance company licensed by the state (in your case, it’s Albuquerque, New Mexico) to file an SR-22 form on his behalf.
If in the event that an automobile insurance company ceases to provide auto insurance to the driver or that a driver’s auto insurance policy is terminated, the automotive insurance company must inform the state’s Department of Motor Vehicles about this. If this is the case, the license of a driver is also suspended until he files proof that he has auto insurance that is mandated by the SR-22. In most states here in the country, it is required for a driver to maintain an SR-22 from around three years to five years.
Also, even if you move to a different state, most states require that you abide by the requirements of the SR-22, in addition to the SR-22 minimum liability requirements of the state you move into.
But just a reminder, not all insurance companies offer to file SR-22 forms, so just check with your local auto insurance provider.
Changing Car Insurance Coverage
Reader’s Question:
My daughter is planning to move from Idaho to Greeley, Colorado. When can he change car insurance?
Sam
Greeley, CO
Yes, your daughter will need to change his insurance coverage however she may not need to change her car insurance carrier. Your daughter should notify her current Idaho insurance company that she is planning to move in Greeley, Colorado and know how long they will continue coverage on her automobile. She need to know the CO State laws for changing over the registration, title and driver’s license when she is a new resident of Colorado because this should help her decide when she should change over her car insurance.
The Colorado Division of Motor Vehicles (DMV) states that if you are a CO resident who drives an automobile or motorcycle on public roads and highways in the state of CO, you must have the appropriate valid Driver’s License. A resident is defined as a citizen who has lived in Colorado for ninety continuous days; or upon becoming employed in Colorado, whichever comes first. So your daughter will need to get a new driver’s license within this time period in the state of Colorado.
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