Motorists in Minneapolis have to buy minimum levels of insurance for bodily injury liability. The policy should provide at least $30,000 for each person and $60,000 for each incident.
Besides the bodily injury policy, a driver has to carry at least $20,000 for medical expense benefits. The coverage helps pay for treatment for injuries after a motor vehicle collision. The policy should include coverage for emergency room services, dental care, and physical therapy.
A person needs to have property damage liability coverage as well. If they caused the accident, they would need to pay for damages to a vehicle. The minimum coverage is $10,000 per accident.
Motorists also need personal injury protection, but some people refer to it as “no-fault” coverage. The policy covers various losses after a car crash. The benefits should offer a minimum of $40,000 per person per accident.
Someone might experience a car collision, and the responsible driver had no insurance. Other times, the at-fault party has insurance but not enough to pay for damages. You would need to carry underinsured motorist coverage of at least $25,000 per person. For each accident, the policy gives $50,000.
Drivers could face penalties if they operate a vehicle without the necessary insurance policies.