Uninsured Motorist Coverage in Minnesota

Introduction

Uninsured and underinsured motorist coverage is required in Minnesota and provides important protection if you're involved in an accident with a driver who doesn't have adequate insurance coverage.

What Uninsured Motorist Coverage Does

Uninsured motorist (UM) coverage protects you if you're in an accident with a driver who has no insurance or flees the scene (hit-and-run).

Bodily Injury Coverage

UM bodily injury coverage helps pay for medical expenses, lost wages, and pain and suffering if you're injured by an uninsured driver.

Property Damage Coverage

UM property damage coverage helps pay for damage to your vehicle if hit by an uninsured driver.

Underinsured Motorist Coverage

Underinsured motorist (UIM) coverage protects you when the at-fault driver has insurance, but their limits aren't high enough to cover all your damages.

Coverage Gap Protection

UIM coverage fills the gap between the other driver's policy limits and your actual damages.

Stacking Options

Some policies allow you to "stack" UM/UIM coverage, potentially increasing your available coverage limits.

Minnesota Requirements

Minnesota requires drivers to carry uninsured and underinsured motorist coverage with minimum limits that match your liability coverage limits.

Why This Coverage Matters

Despite insurance being required, some drivers still operate vehicles without coverage. UM/UIM coverage ensures you're protected even when others don't have adequate insurance.

Key Takeaways

• UM/UIM coverage is required in Minnesota
• It protects you from uninsured and underinsured drivers
• Limits must match your liability coverage
• Consider higher limits for better protection

Next Steps

If you have questions about uninsured motorist coverage or want to increase your limits, consult with a licensed insurance professional.