Minnesota’s snowy winters make accident protection a must. Auto accident insurance coverage is a must for drivers in the state.

In the event of an accident, a full-coverage automobile insurance policy will offset attendant costs to a collision such as medical bills and subsequent wage loss associated with physical injury. Drivers in cold weather states like Minnesota are of keen interest to insurers, as road collisions and auto related accidents from winter road conditions result in dis-proportionality higher than average insurance payouts than the national average. Minnesota drivers have three basic policy options to meet state minimum mandates for auto insurance.

1. Auto Liability Coverage

The most basic coverage for a driver in Minnesota, auto liability insurance agreements protects vehicle assets in case that an auto accident is an insured’s fault. A minimum of $30,000 for single person injury, and $60,000 for injuries to multiple parties, as well as $10,000 for damage to an insured’s vehicle, is required.

2. Personal Injury No-Fault Coverage

Coverage for hospitalization and wage reimbursement is available to an insured driver before a lawsuit. In Minnesota, a driver must carry a minimum of $40,000 in coverage insurance to meet the criteria to ‘no-fault’ coverage. Per-person coverage for an accident is $20,000 in medical care expense offsets and $20,000 for non-medical expenses such as lost wages following an injury sustained from an auto accident.

3. Uninsured Motorist Coverage

Compensation for driver injuries post-accident, where the culpability is another driver with no insurance or limited insurance, is provided by an uninsured or underinsured motorist coverage agreement.  Minnesota auto insurance policy minimum for this type of coverage is $25,000 for injury to a single person and $50,000 for injuries to multiple parties.

For auto accident coverage in Wayzata, MN, contact an insurance broker.

With winter rapidly approaching around Wayzata, MN, most of your yard work is done for the year. However, now is a good time to take a look at those oversized shrubs in front of your house and trim any overgrown trees down to size.

Can You See Your Doors and Windows From the Road?

During the warm months, have you admired all the trees and hedges in front of your home? If you couldn’t see the doors or windows through all the leaves, that means you can’t see a home invader working away at locks and windows, either. By removing large landscaping from around points of entry, you improve the security of your home.

Check the Power Lines to Your Home

Blizzard winds will be howling soon. Did that tree near the house finally get big enough to be hanging over your cable, phone and electric lines running to your house? You can prevent loss of power in a storm by having those trees trimmed back now. The utility companies may take care of the ones on the street, but not on your property. Call in a professional now.

Are Your Trees Healthy?

Sometimes we like the tree that grew with a natural V in the trunk. However, that means when it grows large enough, it is susceptible to coming down in a storm–possibly damaging your siding or roof. With all the leaves down, it’s a good time to have sick, rotting and unsafe trees identified and removed from your property.

Good property maintenance isn’t just about keeping up appearances; it’s also about protecting your most valuable asset and your family.  Give your Wayzata, MN area home a good winterizing review and catch up on those forgotten chores.