Auto Insurance Policy Minnesota MN

Reader’s Question:

In the state of Minnesota, if another person gets into an accident while driving my car, will he be covered by my auto insurance policy?

William,

St. Paul, MN

In the Minnesota Driver’s Manual, it is stated that every owner of a motor vehicle must have no-fault and at least minimum state-required liability insurance. The proof for the auto insurance must be carried at all times and must be made available to the court or the law enforcer at the time that is required.

Typically, an auto insurance policy in Minnesota covers members of the household – provided that they are listed in the policy and that they do not have their own policies. Therefore, if they get into an accident while driving your car, they are pretty much covered.

If an uninsured driver uses your vehicle with your permission and gets into an accident while operating your vehicle, your auto insurance policy will cover him. During the event that this driver gets into an accident or commits a road traffic violation, he must be able to show proof of insurance to the police officer if he is required to show it. Although he is not the owner of the vehicle, he must show proof of insurance showing your name (as the owner) or if in the absence thereof, give the officer your name and address. Minnesota State Statutes Section 169.71 states that if a person is not able to show proof of insurance at the time that it is needed, he will be charged of misdemeanor and may be penalized by fine payment, imprisonment, or suspension of driver’s license (depending on the frequency of the violation).

Tags: auto insurance coverage, auto insurance policy, car insurance law