Studies suggest that about one in every seven of Minnesota’s nearly 3.7 million licensed drivers doesn’t have vehicle insurance. The stories are all too familiar: a child walking to school faces a lifetime of difficulty after being struck by a struggling University of Minnesota college student texting and driving with state minimum auto limits or a drunk driver who couldn’t afford insurance due to his bad driving record causes an accident, burdening a family with horrific medical bills. Your personal Minnesota auto insurance policy can offer you protection when there is no other policy to collect against. Uninsured and underinsured motorist protection pays for injuries from an accident caused by the owner or operator of an uninsured or underinsured vehicle or from a vehicle, bike or pedestrian hit-and-run incident that leaves you without a policy to collect against.
There were nearly 71,000 crashes in Minnesota last year, killing 455 and injuring more than 33,000 at a cost, state officials say, of $1.5 billion. The other motorists who drive with insurance end up paying for that. In other words, people who don't buy insurance aren't contributing to a pool of cash to cover crash costs. The result is higher rates for law-abiding drivers.
Call A.T.C. Agency for a policy review. We are an independent insurance agency located in Edina; we specialize in helping Minnesotan drivers find the best coverage at the cheapest rate.