What is the Mandatory Liability Auto Insurance in Minnesota?
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.
Alabama SR22 Car Insurance Coverage For DUI Driver
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.
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