Motorists in Minnesota are required to carry uninsured motorist insurance. Uninsured motorist coverage works by providing benefits to motorists who are injured by an at-fault driver that does not have car insurance or who has coverage, but it does not satisfy state-mandated minimum liability requirements. However, there is a process that motorists must follow to obtain these benefits. Keep in mind that this is only a general overview of this process, and state law may vary. In addition, states that have no-fault insurance laws may require motorists to seek an order from the court before they are able to obtain uninsured motorist benefits or underinsured motorist benefits.
The number of fatal motor vehicle crashes in 2018 is in, and it is truly sobering. According to the Minnesota Department of Public Safety, 2018 saw a six percent increase in fatal traffic accidents compared to 2017. There were 380 traffic deaths in Minnesota in 2018. October saw the most fatal collisions, with 46 individuals losing their lives in motor vehicle accidents. Speeding, drunk driving and distracted driving were often factors in these crashes.