Minnesota Auto Insurance

Minnesota Auto Insurance questions and answers

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Q: When a Texas resident has an auto accident in Minnesota- a no fault insurance state?
A Texas resident has an accident in Minnesota- a no fault insurance state, and the Minnesotan is the one who is at fault, How does insurance companies handle this when Texas law are different than Minnesotas. There were no bodily injuries.

A: In every state except Michigan the term "No-Fault" refers only to how and who pays the medical of an injured person. It means that no matter who is at-fault your own insurance company pays your medical bills. Who pays for car damages in MN are still based on negligence. The accident will be handled under the laws of MN as that is where the accident happened. So if the other driver is at-fault you will get paid for your car damages by their insurance company. In MN the have comparative negligence laws so depending on the accident facts you might not be owed 100% of your damages. If you contributed 15% of the negligence to the accident, the amount you can collect is reduced by that 15%. Good Luck

Q: Does every Minnesota license holder have to have auto insurance, even if they don't have a registered vehicle?
If someone has a drivers license, but the don't own their own vehicle, do they have to have auto insurance in their name? I just want to know if every licensed driver has to have auto insurance whether or not they even drive!! Seriously!!

A: If you just have a drivers license but no car, no you do not need car insurance. But...If you live in a house with your parents they have to put you on their insurance because you live in their house and have a license. Most insurance companies only allow the person listed on the insurance company to drive the vehicle insured.

Q: Is there a legal time limit in which an auto insurance claim needs to be made in the state of Minnesota?


A: Car damages = 6 years Bodily Injury = 6 years

Q: In Minnesota, would a new teen driver be covered even if not specifically listed on an auto insurance policy?
Minnesota, newly licensed driver

A: Your new driver would have coverage automaticaly according to state law, however you do need to let your agent know as soon as they get their license with the number on it, this could take the state a couple of weeks. The state's Insurance brochure states "You are covered by the policy in your name. Any relative living in your home, who does not have a policy of his or her own, is covered by YOUR policy. This includes a spouse, children, or a minor in your custody or the custody of a relative. A driver using your car with your permission, who is not covered by another policy, will be covered by your policy." The reason that they do not state licensed driver or an age of children is because there are quite a few accidents that involve young children that manage to get a car out of park and roll out of driveways and accorss the streets. I have had more than one of these claims over the years. You can see the MN Commissioner of Insurance's auto insurance brochure at... http://www.state.mn.us/mn/externalDocs/Commerce/What_You_Need_to_Know_about_Auto_Insurance_013003105358_Auto%20Insurance3-00.pdf If you have any further questions please call your agent directly and they should be able to help you. Hope this helps.

Q: did the auto insurance companies total out the vehicles left on the bridge that collapsed in Minnesota??


A: Depends on if they were damaged or not and if so, the extent of the damage.

Q: I was a week late with my auto insurance payment so progressive?
cancelled my policy. Does anyone know of a good one to get in Minnesota?

A: If it was your renewal, the policy expires on the renewal date, this would have been written clearly on your bill. You may still be able to pay the renewal & Progressive will renew with a lapse (will start again on the day after they get the payment). If your policy was midterm, by law in every state, they must send you a cancellation notice that gives you at least 10 more days to pay (minimum in every state, some states give 15 or 20 days). If you were a week past your CANCELLATION date, then you would have to start a new policy with them. You are more than a week late. So, if you were midterm, the bill was sent about 3 weeks before it was due, they didn't get your payment so they sent a cancellation notice, so you knew your premium was due at least a month or more ago. Call a local independent agent & get a new policy TODAY!!!

Q: What actions can a consumer take against his insurance company if they knowingly lie to him?
An auto insurance company in Minnesota claimed that they cannot pay full damage on an auto accident because they claim there is a law which states that "if an accident occurs at an intersection both parties are at least 15% responsible". I checked with the Minnesota State police and they say no such law exists. What action can I take against my insurance company?

A: At this point, you don't have proof that there is or is not a Minnesota law that says this. Keep in mind that the police are only familiar with the laws they enforce. It is highly probable this is an insurance law, so they wouldn't be aware of it. Give the Minnesota Insurance Commissioner's Office a call and ask to speak with someone there. If the company mislead you and reduced your payment, the Commissioner can order the company to pay the remainder, PLUS state-mandated interest (if permissable under the law). You can then file a civil suit for breach of contract, if you like.

Q: how much is it for this auto insurance?
2005-2007 ford mustang (dunno which year yet) V6 16 years old Minnesota, Burnsville Thanks :)

A: See this http://best-american-insurers-free-comparison.servicesarticles.com?insea take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge. But to find a cheap price you should get several quotes, do some legwork till something really cheap will come along.

Q: Pedestrian collision questions?
I was hit by a car yesterday, and I was given a police report thingy to fill out. I have filled it all out except for the part that asks about my vehicle and auto insurance. I was a pedestrian in the accident. Do I need to fill out information about my vehicle if it wasn't involved? Should I still list my auto insurance? I live in Minnesota, and MN is a no-fault state. Apparently this means that my insurance company bills her insurance company. Since this is true, should I give our auto insurance? I'm confused, and there is no number to call on the paperwork to ask questions. Please help. Okay, we've called and asked and we were told that we don't need to fill out the info on our car, but we still need to give the insurance info.

A: Kharm, NO. You leave that section blank. You were the pedestrian. The person who hit you needs to provide that information, which you should have gotten from him at the scene of the accident. If you failed to get that info then the responding officer or EMT should have it for their records. It has NOTHING to do with MN being a no fault state. YOU were the pedestrian and under Minnesota law, YOU have the right of way at all times, even if it was NOT in a crosswalk. As an aside, I hope that you weren't seriously injured and that you will recover 100%. Brightest Blessings, Raji the Green Witch

Q: Buying used car from private seller?
I've never bought a car before, and I'm not sure what proper steps to take. My father was a mechanic, so I know how to check and make sure everything is running well on the vehicle. My concern is about titles, registrations, and getting a new insurance policy (since I've never had auto insurance either). When I buy it, I know that both the seller and buyer need to fill out the title and transfer it. My question relates mainly to insurance and vehicle registration. How is this done? Note that I live in Minnesota and have already checked out http://dmv.org, but it still leaves me with unresolved questions. Do I need to get insurance before I buy it? How long do I have until I need to register the vehicle?

A: You will need to take the information on the vehicle (VIN, year, make) to an Insurance Agent & get the insurance before you get the vehicle. Then take the information on the vehicle along with the proof of insurance to the DMV (do not take the vehicle). They will either register the vehicle at that time or issue you a moving permit to have the vehicle inspected.

Q: ID's for illegals?
Last week the state of New York announced a plan that would provide a type of license to illegal immigrants. A Minnesota state senator also stated that he was in favor of providing worker ID cards to illegal immigrants. Homeland Security Secretary Michael Chertoff has said that he opposes giving IDs to illegal immigrants, but there is no federal law that prevents it. New York Governor Eliot Spitzer says that the new IDs will bring undocumented immigrants into society and help lower auto insurance rates. What do you think? Haha... I wasn't trying to be politically correct by using the term undocumented immigrant. In fact, it's an excerpt from an article I read. I strongly oppose this plan! And if you read closely it says Eliot Spitzer referring to them as "undocumented immigrants" What a joke!

A: I say we tag them like wild life and send them back to mexico, when they cross the border INS gets the notice and gets them and sends them back to mexico, preferably the end furthest away from America. Illegals are law breakers its that simple, they don't deserve sympathy. My favorite is "You split up families when you send illegals home, heres an idea... take your family with you...