Minnesota is a beautiful state. From its many lakes to its beautiful landscapes, there is much to see both on and off the beaten path. Unfortunately, there are also many hazards associated with driving in Minnesota.
Whether you are driving in bad weather conditions, road construction, or simply battling traffic in the Twin Cities, having the right insurance can give you peace of mind knowing you, your passengers, your vehicle, and your assets are adequately protected.
A Lesson in Minnesota Auto Insurance Insurance
Each state has its own insurance laws that apply to all drivers. While they are a good start, that’s all they are…a start. The minimum coverage required typically does very little to protect drivers from the risks that threaten their financial well-being.
Did you know that in Minnesota drivers are only required to carry $10,000 in property damage liability coverage? That’s barely enough to replace a new mid-size sedan after it is totaled in an accident!
In fact, having only minimum coverage could leave you on the hook for thousands of dollars in property or bodily injury liability claims long after the limits on your insurance policy are exhausted.
At Pentagon Insurance Agency, we recommend carrying several types of coverage on your car insurance policy to ensure you are protected against all of the ‘what-ifs’ in life. Examples include:
Liability Insurance
Even though Minnesota is a “no-fault” state, a victim’s medical bills and property damages that exceed his or her coverage can fall upon your shoulders. Not to mention, you could be sued for excess lost wages and pain and suffering as a result of the accident.
Having the right liability insurance is not only important, it is essential for protecting your current assets and future income from seizure and garnishment.
Personal Injury Protection
Personal injury protection helps pay medical bills and lost wages if you or the passengers in your own vehicle are injured in an accident.
Uninsured & Underinsured Motorist
Despite laws that require all Minnesota drivers to be insured, there are always a few bad apples in the bunch. These coverages protect you when you are hit by a driver who is either uninsured or underinsured for the damages caused.
Collision
No one wants to be in an accident, but it helps to know you are covered when the unexpected happens. Collision insurance helps pay to repair or replace your own vehicle if it is damaged or totaled in an accident for which you are at-fault.
Comprehensive
Not all vehicle-related losses are caused by accidents. Comprehensive protection kicks in when your vehicle is damaged by other covered events, such as bad weather or vandalism.
Other Coverage
In addition to the primary types of Minnesota car insurance, there are additional protections you can add to your policy, such as coverage for towing expenses and roadside assistance. You can also add reimbursement for your rental car fees if you need replacement transportation while your vehicle is being repaired or replaced due to a covered incident.
Shop and Compare Car Insurance in the Twin Cities
Remember the good old days? You know, the ones when you could walk into a business to experience one-on-one attention from a person you could trust? At Pentagon Insurance Agency, we still believe you cannot put a price on high-quality customer service.
That is why at our office, you can expect to work with one person from start to finish. We will work with you directly — not pass you off to someone else. Together we can explore your coverage options and compare rates from several of the state’s leading insurers until we find the policy that fits your unique needs.
Don’t put your future or your family’s future at risk. Request a free quote or stop by to talk over your situation. We are looking forward to helping you soon!
