Minnesota Auto Insurance Law
Minnesota requires all drivers to maintain a minimum level of liability insurance in order to operate a vehicle. Most people do have at least the minimum coverage of $30,000 and many have even more coverage. What is the benefit of requiring insurance? Car accidents are an inevitable part of driving. No matter how careful you are, you may still be the victim of an accident. If everyone has insurance, your basic injury and property damage claims should be paid. But what happens if you are hit by one of the people who does not have insurance?
Uninsured/Underinsured Motorist Coverage
If you are involved in an accident and the other driver does not have insurance, you may be entitled to recover under your own uninsured motorist coverage. This is a provision in your insurance policy that protects you in case you are in an accident with someone who is uninsured. Underinsured motorist coverage protects you in cases of serious accidents. Even if the other driver has insurance, it may not be enough to reimburse you for the medical expenses you have incurred as a result of an accident. Underinsured coverage provides another layer of protection for you when you are seriously injured.
The amount of coverage you can receive under either uninsured or underinsured motorist coverage depends on the language in your insurance policy as well as state laws. There are also strict procedural requirements if you wish to sue the driver who caused your accident while also preserving your claim for underinsured motorist coverage. It is important to contact a lawyer to discuss your options before you pursue your claims to make sure you obtain the best possible recovery.