What are the different types of car accident insurance coverage?
Getting advice from a car accident attorney early in the process can help protect your rights and maximize recovery. If you’ve been injured in a car accident due to someone else’s negligence, don’t hesitate to contact us. We offer an initial consultation at no cost to review your policies, explain your coverage, and outline your rights.
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Dealing with car accident insurance can be complex, especially after you’ve been involved in a car accident that wasn’t your fault. Various coverages, different limits, and unique circumstances of application come into play. The following categories generally represent the types of insurance coverage that may apply in car accidents involving injuries:
Types of Coverage for Car Accidents in Minnesota:
1. Property Damage Liability (PDL):
When someone else is at fault for an accident, their PDL insurance is responsible for handling the damage to your vehicle. In Minnesota, all drivers are required to carry at least $10,000 in PDL coverage.
2. Personal Injury Protection (PIP):
Despite who’s at fault, PIP is a mandatory coverage for all Minnesota drivers. It pays for your medical expenses and lost wages related to the accident. PIP covers 100% of your medical bills and 85% of your lost income, up to a combined total of $40,000.
3. Bodily Injury Liability (BIL):
In the event of another driver causing an accident, their BIL coverage pays for your injuries. In Minnesota, drivers are required to have minimum coverage limits of $30,000 per person and $60,000 per accident for BIL.
4. Uninsured or Underinsured Motorist (UM/UIM):
UM/UIM coverage becomes crucial when the at-fault driver is uninsured or underinsured. It covers your injury expenses when the at-fault driver either lacks bodily injury insurance or doesn’t carry sufficient coverage. Minnesota law mandates UM/UIM coverage with minimum limits of $25,000 per person and $50,000 per accident.
5. Collision vs. Comprehensive:
Though optional in Minnesota, Comprehensive and Collision coverage can be helpful. Comprehensive coverage pays for damage to your car not resulting from an accident, such as theft or natural disasters. Collision coverage takes care of damages from an accident, regardless of fault.
Concerns about your insurance coverage?
Understanding how these different types of insurance work together to provide comprehensive coverage for all potential damages that could arise from a car accident can be challenging. An experienced Minnesota car accident attorney can help navigate these various policies, ensuring you receive all of the benefits available to you.
