If you’re a driver in Edina, MN, you need auto insurance. That’s because Minnesota requires all drivers to have liability coverage. If you cause an accident, your insurance will pay for the damage to the other person’s vehicle if you’re at fault.

Liability Coverage

There are other types of auto insurance coverage available, but liability is the only one required by the state of Minnesota. If you cause an accident and your damages exceed your liability coverage, you’ll have to pay for the rest out of your pocket. That means you could technically get by with just this one type of coverage, but it’s not recommended.

Other Types of Coverage

If you want to be fully protected, you’ll need more than a liability policy, such as collision and comprehensive.

Collision Coverage

Collision coverage will pay for the damage to your vehicle if you cause an accident. This type of coverage is optional, but it’s a good idea if you want to be protected from paying out of pocket for repairs to your vehicle. Your Central Lakes Insurance Brokers representative can help you find the best policy for your needs.

Comprehensive Coverage

Comprehensive coverage will pay for the damage to your vehicle if it’s damaged in an incident that’s not an accident, such as a storm or theft. This type of coverage is optional unless you have a vehicle loan, which may require extra insurance. However, it’s still a good idea so that you won’t find yourself without a car and extensive repair bills.

If you’re a driver in Edina, MN, it’s crucial to have auto insurance. Make sure you have liability coverage to protect you from an accident. You may also want to have collision and comprehensive coverage to protect your car in other situations. Your Central Lakes Insurance Brokers representative can help you find the best policy for your needs.