If a person has multiple vehicles, our office strongly suggests a person consult their insurance agent regarding “stacking” of their no-fault coverage. For a nominal charge, no-fault coverage on multiple vehicles can be stacked providing an injured person with higher no-fault coverage.

Liability Insurance. This coverage on your policy protects you from your negligence and liability. This coverage also provides other at-fault parties protection on their policy from their negligence and liability. The minimum liability coverage in the state of Minnesota is $30,000. Our office generally believes $30,000 is inadequate to protect a person. The amount of liability insurance one carries on their policy is dependent on many factors but should generally be sufficient to protect a person’s own assets and family.

Uninsured Motorist Coverage. This coverage on your own policy will allow you to place a claim for your injuries against an at-fault driver if the at-fault driver did not carry liability insurance on their motor vehicle. This coverage may also allow you to place a claim against hit and run drivers or by out of state drivers if their liability limits are less than $30,000. Uninsured motorist coverage is very inexpensive but very important. Our office believes that uninsured motorist coverage of at least $100,000 should be purchased, more coverage if your assets and family require.

Underinsured Motorist Coverage. This coverage on your own policy, or on the vehicle you were occupying, will allow you to place a claim for your injuries if the coverage carried by an at-fault driver is insufficient to compensate you for your damages. Underinsured motorist coverage is very inexpensive but very important. Our office believes that underinsured motorist coverage of at least $100,000 should be purchased, more coverage if your assets and family require.

Commercial Automobile Policies. If a person is relying on a commercial automobile policy for their personal automobile coverage, that person should make sure they are a “named insured” on the commercial automobile policy.

A person should consult an experienced personal injury attorney and their insurance agent to make sure they are appropriately insured with auto coverage.