Frequently Asked Questions

Q: Why do I have to use my auto insurance when it’s the other driver’s fault?

A. State law indicates that no matter whose fault it is, your insurance will pay and your insurance rate will not go up since it was the other drivers fault.

Q: What is No-Fault Coverage?

A: Under Minnesota law, all motor vehicle owners must have no-fault coverage as part of their automobile insurance. With no-fault coverage, insurance is provided either by your insurance company or the insurance company of the car in which you were riding, regardless of who was at fault. Benefits of no-fault coverage may include:

  • Compensation for wage loss (85% or $500/week)

  • Coverage of medical expenses

  • Mileage costs (varies from 25 to 50 cts/mile)

  • Replacement services

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