Car Insurance Required for Registration Minnesota MN
Reader’s Question:
I’m from Minnesota, and I just got my first car. I haven’t purchased any car insurance yet. Is this really needed?
Jason
Rochester, MN
For your vehicle to be legally registered in the “no-fault” State of Minnesota, you need to purchase insurance coverage. This is the reason all motorists are required to have a no-fault insurance coverage. When you register your vehicle, you will be required to give your car insurance company’s name, as well as your policy number. Registration in Minnesota means that you are confirming the fact that you have adequate insurance coverage for your car.
Since Minnesota is observing the No-fault Act, it means that in an event of an accident, the individual’s expenses for medical care and repairs done to the damaged vehicle will be shouldered by their own insurance company. Minnesota adopted this law to cut back on lengthy lawsuits that may delay necessary financial assistance after an accident. This law also prohibits vehicle owners to drive or permit others to use their cars without insurance coverage, with penalties ranging from paying hefty fines, revocation of driver’s license to imprisonment.
Minnesota drivers are also required to carry with them the proof of insurance if in case a police officer asks for it. Proof of insurance can be in the form of the current car insurance policy, a written statement from your insurer, or an insurance identification card.
Search around and look for what would be the best insurance company for your needs. It would be easier to inquire from a local agent who represents multiple companies. You can also do some research on the Internet by visiting websites of various insurance providers in Minnesota.
Tags: auto insurance coverage, car insurance law, no-fault