All drivers in the State of Minnesota are required to carry with them proof of owning auto liability insurance policy. To comply with this requirement you can show your Insurance ID Card. This card will be provided by the insurance company at the time you acquire an auto insurance policy. Penalties for none compliance with the previous requirement can be fines within the range of $250 to a thousand dollars, revocation or suspension of driver license and/or vehicle registry. If you are a first time offender you can be penalized the same way as if you had previous offense records.

Minnesota State Law mandates that all drivers must have the following coverage: liability insurance, PIP (Personal Injury Protection), uninsured and underinsured motorist.

The minimum Liability Insurance coverage required is of:

• $30,000 to pay for bodily injury or death caused to one person
• $60,000 to pay for bodily injury or death caused to two or more people in an accident
• $10,000 to pay for any damage caused to someone else's property.

PIP required coverage states the following minimum amounts:

• $40,000 per person,
• $20,000 in medical expenses, and
• $20,000 for other none medical related expenses.

Uninsured Motorist coverage will pay for medical costs if the person responsible for the accident has no insurance or if your PIP coverage has expired. State of Minnesota requires a minimum of $25,000 for bodily injury per person and $50,000 per accident for more than one people.

Underinsured Motorist coverage will take care of medical expenses if the driver responsible for the accident has not enough liability insurance coverage. Minimums required are of $25,000 per person for bodily injuries and $50,000 per accident for bodily injuries.

In addition to these coverages, there are available other options to protect your own vehicle and pay for any reparations it might need after an accident. Keep in mind that previously mentioned insurance coverages will pay for damage and injuries you may cause to others, leaving the reparations to your own property unattended.

To take care of this, there are two coverages available, Comprehensive and Collision. Comprehensive coverage is used to pay for any damage reparations needed when your vehicle is affected by an accident not specifically related to a collision. Severe weather can damage your car, for example in floods, tornados, high winds, wild fires, etc. Also, in roads where wildlife may be encountered, there is a chance of you having an accident with an animal, so to fix the damage they cause, Comprehensive coverage will pay too.

Collision coverage, as its name says, will pay for fixing any physical damage caused to your vehicle in a collision. Regardless the collision type, if it is with another vehicle or with a non moving object, collision coverage will help you fix it and get it back looking as it did before.

Auto insurance is there to protect your assets, especially if you were the one responsible in an accident. Instead of looking at it as an expense, try to see it as a safety net and as the only way to be prepared to an unfortunate event as an accident.