The Law Offices of Miles W. Lord and Associates

Auto accidents can alter your life. There is insurance coverage mandated by the legislature to assist you in an accident situation.

There are four types of automobile insurance that every automobile owner must have by law. Most people are not aware of these types until they are involved in an automobile accident.

LIABILITY COVERAGE: This covers damages sustained by others who are injured in an automobile accident to the extent to which you may be at fault. The minimum amount of liability insurance you must purchase in Minnesota is $30,000.00.

NO-FAULT COVERAGE (or Personal Injury Protection): This covers medical expenses and wage loss for you and others involved in an automobile accident regardless of fault. Wage loss coverage replaces 80% of your weekly wage loss up to $250.00 per week. The minimum amount of no fault coverage is $20,000.00 in medical benefits and $20,000.00 in wage loss.

UNDERINSURED MOTORIST COVERAGE: If your injuries are the fault of another driver, and your damages exceed his or her liability coverage, you are allowed to claim the excess damages on your own underinsured motorist policy. You may purchase any amount of coverage, with a minimum of $25,000.00 by state law.

UNINSURED MOTORIST COVERAGE: If you are injured in an automobile accident caused by a motorist who is uninsured, your own uninsured motorist coverage pays for your damages. This coverage is limited by the amount of the liability policy that you purchased. The minimum amount you must buy in Minnesota is $25,000.00.

In addition, there is optional comprehensive coverage which pays for damage to your automobile caused by fire, theft, vandalism, and other perils. There is also optional collision coverage, which pays for damages to your car in the event of an accident.

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