Car insurance is one of the basic requirements for Minnesota drivers. The law requires a combination of no-fault and liability coverage to address the expenses of a car wreck.
Generally speaking, the parties at fault for car crashes provide liability coverage for the people affected by collisions. Liability coverage can help pay for medical expenses and property damage losses.
Sometimes, people involved in a crash ask for the insurance information of the party at fault, only to learn that they do not currently have an active liability insurance policy. How common are collisions caused by drivers without the minimum insurance required by law?
People encounter uninsured drivers every day
Liability insurance significantly increases the cost of motor vehicle transportation. Some people intentionally cancel their policies to avoid their monthly premium obligations after renewing their vehicle registration. Others might forget to pay their premiums due to budgetary constraints or personal emergencies.
Regardless of the reason for the lapse in coverage, uninsured drivers put everyone else at risk of financial devastation if they cause collisions. According to an analysis of 2023 car crash claims data, roughly 11.3% of drivers in Minnesota lack proper coverage.
Motorists have a slightly greater than one in 10 chance of a crash being the fault of a driver without appropriate insurance. In those situations, motorists can rely on their no-fault coverage for basic medical losses. They may also need to look into third-party liability or a personal injury lawsuit as a means of covering their other crash expenses.
Working with an attorney can help people involved in uninsured motorist collisions review coverage options and other potential sources of compensation. An attorney can assist with a complex insurance claim or with a personal injury lawsuit.