People purchase car insurance because it is supposed to protect them in case of an accident. However, car drivers in Minnesota often encounter drivers who are either uninsured or underinsured. In these instances, having stacked car insurance offers extra protection....
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UM/UIM Coverage
Dealing with accidents involving uninsured motorists
Car accidents may bring serious injuries, along with property damage and other losses. Minnesota drivers that carry liability insurance have a policy in place that could cover such costs. Not every driver has insurance, though. Persons hurt by an uninsured driver are...
Worries about underinsured motorists on the road
Not every Minnesota driver carries a decent amount of liability insurance. Carrying the state minimum might provide some level of financial protection, but an underinsured negligent driver could cause a disastrous accident that inflicts tremendous losses on the...
Overview of uninsured and under-insured motorist protections
Most states require drivers to have a minimum amount of liability insurance to drive legally. Liability covers the other driver and passengers when the insured is at fault. However, drivers in St. Paul, Minnesota, must also buy uninsured and under-insured motorist...
How does underinsured or uninsured motorist coverage work?
Auto liability insurance protects both the injured and negligent parties. The insurance provider may pay a substantial claim to someone hurt in a Minnesota vehicle collision. Since the settlement comes from the insurance company, the liable party might not suffer...
Getting help after a hit-and-run accident
As Minnesotans know, car accidents can be minor annoyances that slow down their days or major life events that change the paths that their futures take. One factor that can drastically alter the way that a victim approaches their recovery after a motor vehicle...
Minnesotans have options when the at-fault party has no insurance
When a motorist in Minnesota is involved in a car crash, they may be thankful that they have auto insurance. However, what happens if the other motorist is uninsured? Can the injured party still receive benefits to cover medical expenses and property damage? Uninsured...
What is the process for obtaining uninsured motorist benefits?
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...
What is uninsured and underinsured motorists coverage used for?
By law drivers in Minnesota are required to carry auto insurance that contains liability coverage, personal injury protection (PIP), uninsured motorist coverage and uninsured motorist coverage. Optional types of coverage include collision coverage and comprehensive...