Auto insurance in Minnesota and North Dakota is a little different than it is in many other states. Like most states, they require that every driver have liability insurance on their vehicle. But, in addition, Minnesota and North Dakota cars must also carry a personal injury protection policy. Within this policy, it doesn't matter who is at fault for the accident when it comes to the medical coverage. Each person's own policy covers them, even if the accident is one that is deemed no-fault. But there are extra things to keep in mind that Wagner Insurance Agency LLC can help you with.
The liability portion of the policy covers both property damage and injuries if it is determined that the accident is your fault. Together with the PIP policy, every driver in Minnesota should be well covered for medical bills no matter who caused the accident or if no one did. This can give you good peace of mind in knowing that medical bills won't be another stressful thing that you have to deal with after an auto accident. That part of the process will be taken care of.
Having the minimum insurance required by law is a great first start, but most drivers want more coverage so that they don't have to fear for their family's financial future should a serious accident occur. Getting additional coverages is a responsible way to look out for your future as a driver.
If you aren't sure that your insurance coverage meets the minimum required, or you want extra insurance, or you simply want to pay less for the insurance you have, call us at Wagner Insurance Agency LLC in Lake Park, Minnesota. We can work with you to find the best policies that cover what you want and need to be covered, and we can go to different insurers to find you the best deal possible. We can also explain to you how different types of policies work and make sure that the coverage you have is at least the state requirement for insurance.
With offices located in Lake Park and Hawley, MN, we serve clients across Minnesota and North Dakota.
