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Auto Insurance Requirements in Minnesota

Minnesota Auto Insurance Fraud

Auto insurance fraud is on the rise in Minnesota. Organized auto insurance fraud is of particular concern. Organized crime has targeted Minnesota because the government has been cracking down on this type of fraud in states, such as New York, where organized auto insurance fraud previously flourished. Minnesota has been inundated with staged accidents where fraudulent medical clinics have been submitting bills for faked auto accident injuries.

Millions of dollars are lost each year because of the increase in organized "no-fault" auto insurance fraud. Consumers are paying higher insurance premiums on their auto insurance coverage because of losses from on auto insurance fraud.

Alcohol-Related Accidents

There are, roughly, 30,000 people in Minnesota who are injured in alcohol-related crashes each year. This breaks down to 81 people injured in alcohol-related crashes each day. Minnesota has roughly 300 fatal collisions each year that are caused by drunk drivers.

Nearly 30 percent of these drivers have a blood alcohol content (BAC) level of 0.08 and higher. Thirty-three thousand (or more) of Minnesota's drivers test at a of BAC of 0.08 and over each year when pulled over for suspected drunk driving. One out of every seven drivers in Minnesota has been convicted of at least one DWI (driving while intoxicated) in his or her lifetime.

Minnesota's Unusual Laws

Every state in the nation has its own share of nonsensical laws tucked away on the state books. Here are a few of Minnesota's:

  • "Driving a truck with dirty tires is considered a public nuisance."
  • "Red cars may not drive down Lake Street."
  • "All bathtubs must have feet."

Driving in Minnesota

There is plenty to see when driving through Minnesota. Did you know that the Amish have a large presence in this state? Tourists can see small Amish villages and farms, old grist mills, historic towns, many lakes, natural forests, museums and a breathtaking fall leaf color bonanza from mid-September to mid-October.

Minnesota's Minimum Insurance Requirements

Drivers in the state of Minnesota are required to prove that they have established financial responsibility. This is accomplished by purchasing at least the minimum amount of liability insurance required by the state. Minnesota requires all drivers to have liability insurance, personal injury protection, underinsured motorist coverage and uninsured motorist coverage. These break down as follows:

Liability Insurance:

  • Injuries to one person: $30,000.
  • Injuries for two or more people: $60,000.
  • Property damage: $10,000.

Personal Injury Protection:

  • Per person, per accident: $40,000.
  • Medical expenses: $20,000.
  • Non-medical expenses (wage loss, etc.): $20,000.

Underinsured Motorist Insurance:

  • For injuries to one person: $25,000.
  • For injuries to two people or more:$50,000.

Uninsured Motorist Insurance:

  • For injuries to one person: $25,000.
  • For injuries to two people or more: $50,000.

Drivers in Minnesota are required to carry their proof-of-insurance card in their vehicle at all times. If a driver is pulled over and has no proof of insurance, he or she may face stiff penalties for failure to prove insurance coverage. These penalties range from a misdemeanor, fines from $250 to $1,000, 90 days in jail and license suspension.

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