Minnesota probably has the best minimum mandatory liability car insurance law in the country. It even requires drivers to carry uninsured and underinsured coverage. Is it enough? Try spending an evening in an emergency room unconscious, three days in intensive care, and another seven days in the hospital, and then answer the question. Whether its vehicle insurance or motorcycle insurance, you'll know that minimum liability coverage is wholly and totally insufficient.
Sure, when you get minimum liability coverage you're saving money, however this may be a decision you might regret a month later depending on what could happen to you, we want you to make smart decisions now about your vehicle or motorcycle insurance. If you cause an accident, you're only insured up to your policy limits. Anything beyond that might force you into bankruptcy, because you can be personally liable for anything over and above your policy limits. Unless you have a poor driving record, quality coverage will only cost you a few hundred dollars a year more. Umbrella coverage is available beyond that starting at $1 million in coverage.
If a big buck jumps in front of you when you're traveling at 55 miles per hour, you'll see thousands of dollars of damage to your vehicle. You can't sue the buck. With minimum coverage, you can't sue your insurance company either, because a single vehicle accident isn't going to be covered. If you get hit by an uninsured motorist, your vehicle won't be covered either because minimum insurance doesn't include collision coverage. If your vehicle gets stolen, catches fire or is vandalized, you're still not covered with minimum liability. You don't have a special type of coverage that most people have called comprehensive coverage that would insure you for those perils. Typically you'll buy comprehensive coverage when you buy collision coverage.
We want to be sure that you're properly insured. We also want to see you get the value that you deserve. We're not married to one insurance company. We offer insurance from multiple carriers. That gives us the ability to custom fit your insurance coverage to suit your own individual needs. You'll be insured for well above the minimum legal liability limits at significantly lower rates than you thought. We're not just a website. We're people too, and we'll be happy to talk with you.