Monthly Archives: May 2017

Minimum Auto Insurance Requirements in the State of Minnesota

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Like many states, Minnesota requires every driver to insure their vehicles, and they must have at least the following coverage:

•    No-fault insurance
•    Liability insurance
•    Uninsured motorist insurance

Every type of coverage must meet the state required minimum, and they must be in force while the driver is on the road.

Minimum No-Fault Insurance

Also called “personal injury protection,” no-fault insurance will pay for any medical bills and loss of income after an accident occurs, and it will pay no matter whose fault it was. 

No-fault insurance will cover you whether you’re a driver or a passenger, and any people who are riding with you will be covered under their policy.

Minimum Liability Insurance

Liability insurance would pay for any damages or injury if the accident was your fault.

If you were involved in an accident for which you are at fault, the other driver’s no-fault coverage would kick in first, and your liability insurance will cover any excess of that amount.

Minimum Uninsured/Underinsured Motorist Coverage

Even though the State of Minnesota requires every driver to have auto insurance, there are many who don’t. This type of coverage is meant to protect you from any liabilities if you get into an accident with one of these drivers.

If you want to get an affordable auto insurance policy that meets the state’s requirements, Pizano Insurance in Wayzata MN can help you get one that you can easily afford. Feel free to reach out to us so we can discuss your needs.

Additional Coverage Options

Despite the state required minimum, there are other types of coverage you can purchase that can give you an extra level of protection. Some of these may include:

•    Collision – Will cover any damages that are caused by an accident
•    Comprehensive – Will cover any damages that aren’t traffic-related

If you want to purchase a comprehensive policy at an affordable price, Pizano Insurance has a team of experienced agents that can help you. We’ve been serving the people of Wayzata, MN for a long time, and we understand the needs of our community. If you want to speak to one of our agents, get in touch with us today!

Improving Your Home Insurance Policy: Add Ons and Extra Considerations

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Home insurance is based on you, so it helps to know everything that’s available. While each company differs in terms of exactly what’s offered, you can make your own requests if you have specific fears. For example, if your beloved Golden Retriever is prone to knocking your things to the ground with the sweep of their tail, you don’t want to be responsible for replacing everything he destroys out of pocket. Keep these tips in mind from Pizano Insurance if you live in Wayzata, MN. 

Start Asking Questions 

The best way to improve your home insurance is not necessarily to start combing through the pages of your policy. The best way is to start addressing different scenarios with a critical mind. What happens if your home is flooded, what happens if a vandal destroys your mailbox, who will pay if your cash is stolen from your safe? Once you get these exact answers, you can start seeing where the gaps are so they can be filled with additional language that covers further destruction. You can also decide if an event is likely enough to happen to you to justify spending the extra money. 

Help for Wayzata, MN Residents 

If you’re looking for help when it comes to your policy, we’re here to make it easier to navigate. Our job is to address your home and the possessions that make it special and start giving you concrete ways to protect it. The key is to remember that insurance policies can be built to you. For example, you may not have a dog, but what if you have a relative who might bring theirs over? Pizano Insurance makes it simpler to see how insurance really works in the real world, so call today!