All Minnesota drivers are required to have a Minnesota no-fault policy with personal injury protection, liability insurance, and uninsured/underinsured motorist bodily injury coverage. You must have at least the following limits for each:
- Personal injury protection (PIP)
- PIP — medical coverage ($20,000 limit)
- PIP — economic loss ($20,000 limit)
- Liability coverage
- $30,000 bodily injury coverage (one person)
- $60,000 bodily injury coverage for 2 people or more
- $10,000 property damage coverage
These liability limits are commonly written as 30/60/10.
- Uninsured/underinsured motorist bodily injury coverage
- $25,000 for injuries to one person
- $50,000 for injuries to 2 people or more
Settling injury claims after an accident
Minnesota is a no-fault state, which means that each driver (and each driver's insurer) is financially responsible for his or her injuries in an accident, up to a set limit.
Minnesota no-fault helps cover medical-related bills after an accident. These expenses can include medical bills, replacement services, and income loss if you have to miss work.
Settling property damage claims after an accident
Since no-fault applies to bodily injury, if another driver damages your car or other property in an accident, you'd file a claim with that person's insurance company instead of your own. (That's what property damage liability coverage can help pay for.)