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Auto Insurance Coverage in Lakeville, MN and Beyond
Auto insurance is purchased by drivers to help with costs if a car accident occurs. Auto insurance premiums vary depending on your age, gender, years of driving experience and other factors. The state of Minnesota requires a minimum amount of auto insurance and additional coverage can be purchased.
Auto Insurance Coverages
Insurance companies agree to pay your losses as outlines in your policy. Coverages include:
• Property
– damage to or theft of your car
• Liability
– legal responsibility to others for bodily injury or property damage
• Medical
– costs of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
Auto insurance requirements vary from state to state. Nearly every state requires car owners to carry:
• Bodily Injury Liability (BI)
– covers costs associated with injuries or death that you or another driver causes while driving your car.
• Property Damage Liability (PD)
– reimburses others for damage that you or another driver operating your car causes to another vehicle or other property.
Personal auto insurance only covers personal driving and will not provide coverage if you use your car for commercial purposes. Call us at 952-469-4644
to learn more about the different auto coverage options.