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If your home is in the Twin Cities, Brainerd or anywhere in between, SafeAuto wants to help you find cheap auto insurance in your area. While SafeAuto does not currently offer direct coverage in Minnesota, we can still help you find the affordable coverage you need online.
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Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 30/60/10 or 30,000/60,000/10,000
Minnesota’s Financial Responsibility law requires you to maintain liability limits of at least:
The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.
The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $30,000 per person limit.
The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.
Under Minnesota law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.
Car insurance companies are required to notify the Minnesota Commissioner of Commerce whenever a policy is issued or terminates. The Commissioner will then request verification of coverage from you.
If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, with fines beginning at $200.
In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.