If your vehicle is registered or principally garaged in Minnesota, state law requires you to have uninsured and underinsured motorist coverage.  It's to be used after your mandatory no-fault personal injury protection coverage has been exhausted.  Minimum coverage amounts for uninsured and underinsured motorist coverage are $25,000 per person and $50,000 per occurrence.


A large percentage of motorists on Minnesota roadways are either driving with minimum liability insurance or no insurance at all.  If one of those drivers causes an accident, and you and/or a passenger are seriously injured, compensation for your injuries and damages will either be wholly inadequate or nonexistent.  That's why Minnesota requires you to protect yourself, your family and anybody else in your vehicle with uninsured and underinsured motorist coverage.


The Protection You Get

If you were seriously injured as a result of the negligence of an uninsured or underinsured driver, and you've exhausted your personal injury protection coverage, you'll want to make a claim on your uninsured motorist coverage to compensate you for the balance of your damages.  Damages elements that uninsured motorist insurance ordinarily covers are:

  • Past and future medical bills
  • Past and future lost earnings
  • Pain and suffering
  • Permanent disability
  • Permanent disfigurement

Think of a night in the emergency room, a day in the hospital with a broken leg, a surgery to screw your leg back together, the orthopedic surgeon, more time in the hospital and then physical therapy, and your medical bills will far exceed your personal injury protection minimum limit along with likely the policy limit of the person who hit you too. Then place your other damages on top of that, and you'll see why sufficient uninsured and underinsured motorist coverage is so important.


Contact us at Value Plus Insurance, and we'll review your auto insurance coverage with you.   We service the entire Twin Cities area.  Remember that these types of coverage can also apply to your motorcycle or boat too.  Whatever your needs are in or around the Twin Cities area, we're pleased to take care of your insurance needs.  Whether it's auto, motorcycle, boat, commercial, health or renters insurance, Value Plus is going to provide the best insurance options that you can consider for you and your family.   Contact us.   We look forward to working with you.