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Planning to hit the open roads in and around Saint Paul this summer? Before you drive, it’s crucial to understand local auto insurance requirements. Learn what every driver should know from the professionals at Rising Star Insurance.
What You Need to Know Before You Drive in Saint Paul, MN
#1. Auto Insurance Is Legally Required for All Drivers in Minnesota
In Minnesota, all drivers must carry adequate auto insurance. This includes liability coverage, personal injury protection (PIP), or comprehensive collision coverage to protect yourself and other drivers from financial damages associated with collision or non-collision-related incidents on local roads.
#2. Minnesota Is a No-Fault Insurance State
As a no-fault insurance state, Minnesota requires individual insurance holders to cover their own medical costs, legal liability claims, and related damages resulting from automobile accidents. While PIP coverage can simplify the claims process and reduce legal complications, trusted local insurance agencies often recommend adding comprehensive and collision coverage to your policy. These options provide a total coverage solution, helping offset costs associated with accidents, theft, vandalism, and natural disasters.
#3. Consider Adding Uninsured/Underinsured Motorist Coverage
Although most drivers in the area comply with local laws, some may not have adequate insurance coverage. To protect your vehicle and financial interests from potential fallout, it’s wise to include uninsured and underinsured motorist coverage in your policy. This ensures you’re covered in the event of an accident involving a driver without sufficient insurance.
Don’t risk driving without adequate auto insurance in Saint Paul, MN. Contact Rising Star Insurance today to request an auto insurance quote and secure the coverage you need!