A car accident with an uninsured driver can lead to high medical bills and lost income. Your uninsured motorist (UM) coverage may help pay these costs. However, Minnesota generally does not let drivers combine coverage limits from several vehicles for one accident. Knowing how these rules work can help you choose the right coverage for your family.
Does Minnesota allow uninsured motorist coverage stacking?
Minnesota generally does not allow drivers to add UM coverage limits from several vehicles to increase the benefits for one accident.
Under Minnesota law, drivers generally cannot combine the limits for two or more vehicles to determine the coverage available for one accident.
However, some situations may allow extra coverage under another policy. In certain circumstances, an injured person may qualify for excess uninsured motorist coverage under another policy, even when riding in a vehicle they do not insure. Whether this coverage applies depends on Minnesota law, the policy terms and the circumstances of the accident.
How can you choose enough coverage?
Since Minnesota generally prohibits stacking, you should choose UM limits that meet your needs. Low limits may not cover all your costs after a serious accident.
Consider these points when reviewing your policy:
- Medical bills: Think about hospital care, treatment and recovery costs.
- Lost income: Consider how much money you may lose if you cannot work.
- Family needs: Think about the people who depend on your income.
- Driving habits: Review how often you drive and who uses your vehicles.
Higher UM limits can offer more financial protection after an accident. However, they may also raise your insurance costs.
Why should you review your policy?
Your coverage depends on your policy, the vehicle involved and your status as an insured person. An experienced attorney can review your policy and explain what coverage may apply. This can help you understand your rights and avoid gaps in protection.