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What Does Your Auto Policy Cover?

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In the event of an accident, a standard policy will pay medical bills, some wage loss and other benefits as follows:
  • Liability Coverage – protects your assets if you are found at fault in an auto accident. Minnesota minimums: $30,000 per covered person, $60,000 per accident in liability coverage.

  • Personal Injury Protection (PIP) Coverage – provides for immediate medical care and at least partial wage-loss reimbursement without waiting for the outcome of a lawsuit. Minnesota minimums: $20,000 for medical care, $20,000 wage loss per covered person.

  • Uninsured/Underinsured Motorist Coverage – provides compensation for your injuries when caused by another driver who has inadequate insurance or none at all. Minimums: $25,000 per covered person, $50,000 per accident.
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