Auto Coverage in Minnesota
Minnesota Auto Insurance
Drivers in Minnesota are always required to have auto insurance and keep proof of their insurance with them in their cars at all times. They can be asked to show this proof when they register a vehicle, when pulled over by a traffic officer, or in case of an accident.
Minimum Minnesota auto insurance
Drivers in the state of Minnesota are required to carry liability insurance in the following amounts:
- Bodily Injury and Death: $30,000 to cover one person in any one accident, and $60,000 to cover all injuries
- Property Damages: $10,000
Minnesota follows a No-Fault system so that in case of an accident, each driver will have to pay their own costs for damages, medical bills, and so on. Even if you're an excellent driver and never cause accidents, you can face heavy financial losses if you're involved in a bad accident caused by another driver. It's important to have enough insurance to make sure that you're covered in case such an unfortunate event occurs.
Penalties without Minnesota auto insurance
If you're caught driving without proof of insurance, and an officer pulls you over, you can be issued a citation that comes with a fine, and your driving privileges can be withdrawn. In addition, your car can be towed and vehicle registration may be confiscated.
If you're involved in an accident, you should be able to show proof of insurance at the scene. However if you don't have proof in your car, you will have ten days to show that you were insured at the time of the crash . If you can't produce your insurance documents in this time, then your vehicle registration can be suspended. If you don't have insurance, you can also have a judgment filed against you, as well the suspension.