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 accident is if they do not know who the responsible party is. When a reckless or negligent driver leaves the scene of an accident and the victim cannot determine their identity, that victim has been involved in a hit-and-run accident.
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?
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.
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 coverage. Today we are going to focus on uninsured motorist coverage and underinsured motorist coverage. What are the differences between these two types of auto insurance coverage?