Before you can register your vehicle you will need car insurance for Minnesota. Minnesota is a no-fault system and under the Minnesota No Fault Act, owners of registered motor vehicles must maintain their no-fault insurance. Under the act, it is illegal to drive or to let someone drive your uninsured motor vehicle on the roads, highways and streets of Minnesota. Violation of this law may result to loss of driving privileges, paying required fines and sometimes even imprisonment. Drivers are also required by the law to carry proof of car insurance in their vehicle. The proof of insurance may be your insurance identification card, your current insurance policy or a written statement from your insurance provider.

Your no-fault car insurance coverage shall cover the expenses from injuries due to the accident regardless of who was at fault, or who was responsible for the accident. What it will not cover is all the losses from that accident, but only the expenses incurred from the injury. Your no-fault insurance coverage for Minnesota is your Personal Injury Protection or your Basic Economic Loss Benefits. It covers your loss wages, medical expenses, replacement services and $2,000 for funeral expenses in case of death.

Another thing you should know is the limit of your policy. If the expenses from the accident exceed the limit of your policy, or you have reached the threshold, you can now make a claim against the other drivers insurance if the accident is their fault. The minimum required coverage for your no fault car insurance coverage is $40,000. Of course you can purchase higher coverage than the required, which is often recommended. You must make a claim within six months of your accident. You should show your proof of expenses and the application for benefits. You may also be required to submit yourself through their medical examination and procedures also but this something you would need to ask an attorney.

Last you should also remember that you cannot use your no-fault car insurance coverage when riding on a motorcycle or snowmobile, you have to buy a different auto insurance policy for these vehicles. One option is to purchase PIP coverage for them.

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