Minnesota No-Fault Auto Coverage
This chapter covers the coverage rules a Minnesota producer must know to place personal auto correctly: the compulsory liability limits, mandatory no-fault PIP, required UM/UIM, and the threshold that governs when an injured person may sue.
Compulsory Liability, No-Fault PIP, and UM/UIM
Minnesota requires minimum auto liability of $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage (30/60/10). Because Minnesota is a no-fault state, a policy must also include personal injury protection (PIP), or basic economic loss benefits, which pay the insured's own medical and income-loss benefits regardless of fault, and uninsured/underinsured motorist (UM/UIM) coverage for crashes caused by drivers with no or insufficient coverage. These are minimums set by state law; verify the current liability, PIP, and UM/UIM figures with the Minnesota Department of Commerce.
No-Fault and the Right to Sue
Under Minnesota no-fault, an injured person's own PIP pays first, and the right to sue the at-fault driver for pain and suffering (noneconomic loss) opens only when the injury crosses a statutory threshold, such as a defined dollar amount of medical expense or a serious or permanent injury. This distinguishes Minnesota from a pure tort state, where any injured party may sue without a threshold. The threshold figures are set by statute and can change; confirm current amounts with the Minnesota Department of Commerce.