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If you own a car, you probably must have heard from your insurance company or other people that you need to get the minimum liability coverage for your car. In fact, not having this coverage in Wayzata, MN can get you into serious trouble with the law. If you’re wondering why it’s so crucial for all drivers, you are in the right place. This post discusses liability; why you need it and how it can help you after an accident.
It is mandatory in most states
Liability insurance is required by most states except New Hampshire and Virginia. Minnesota and 11 other states are among the no-fault insurance states. That means the fault is not relevant in the event of an accident. Your injuries will be covered by your insurance company regardless of whether you or the other driver was at fault. However, it’s critical to note that you can be sued or file a lawsuit against another driver depending on the nature of an accident.
The minimum is never enough
At Pizano Insurance, we recommend calculating your insurance needs as the minimum liability coverage is never enough to cover injuries and property damage. You may want to increase this coverage to a reasonable limit based on how you use the vehicle and how often you drive it.
It helps you stay financially responsible on the roads
Most insurance companies in Wayzata MN believe that most road accidents are caused by human error. The cost of repairing a damaged vehicle and paying medical bills can take a toll on your wallet if you don’t have liability coverage. The situation is even worse if there is a lawsuit involved, as it can be costly. Liability helps ensure that all drivers are financially responsible for anything that might happen on the roads.
Don’t buy auto insurance blindly. Learn everything you need to know from the experts at Pizano Insurance. Our dedicated insurance team is always ready to help you stay comfortable on the roads. Call us today!