Minnesota No Fault Auto Insurance

Minnesota residents are required to have modified no fault auto insurance rather than tort or traditional insurance. The difference is no fault insurance pay for monetary damage quickly without a court case because fault does not need to be decided. The money saved by not going to court is passed on to consumers in the form of lower insurance premiums, in theory.

Auto insurance companies licensed in Minnesota will automatically report your no fault car insurance coverage to the Minnesota Department of Motor Vehicles (DMV). Minnesota insurance companies must also report cancelled or dropped no fault auto insurance to the DMV to ensure that all cars in the state are in compliance with the law.

In a modified no fault system, like Minnesota's, policy holders are only allowed to sue after a certain threshold has been met. In Minnesota that threshold is $4,000. This is the only way drivers can sue for pain and suffering due to a serious injury. Anything under $4,000 in damage is not considered serious enough to justify litigation.

Minnesota no fault insurance law requires all motorists to have a minimum amount of coverage. Those minimums are as follows: $4,500 personal injury protection, $30,000 injury, $10,000 property damage, $25,000 uninsured motorists. Fuller coverage is recommended because this level of no fault insurance may not be enough in some situations.

Helpful Minnesota No Fault Auto Insurance Links:

Minnesota Auto Insurance Quotes

Free Minnesota auto insurance quote links are made available to you below. To get a free auto insurance quote in Minnesota, click GO beside one of the auto insurance companies in the list below. Follow the instructions on how to get your free no obligation quote and if you like your quote, how to buy your Minnesota auto insurance online.

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