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In Wayzata, MN, many people assume their regular auto insurance will repair or replace their damaged vehicle after an accident. In truth, your insurance can repair or replace your vehicle, but you need the proper insurance options for that to happen. Pizano Insurance offers the right choices.
What Basic Insurance Does and Does Not Cover in Minnesota
In Minnesota, required auto insurance coverage includes:
Personal Insurance Protection (PIP) – Covers some medical expenses and lost wages to someone injured after an accident.
Liability – Covers bodily injury and property damage from an accident if you’re at fault. Note the injury and damage coverage applies to others, not you. Liability also helps with lawsuits against you.
Uninsured and Underinsured – Protection when accidents occur with someone with no insurance or not enough insurance to cover damages.
While these minimum requirements help, you may notice they include nothing about fixing or replacing your damaged vehicle after an accident.
Which Insurance Options Cover Vehicle Damage Specifically
For more robust protection and the ability to repair or replace your vehicle after an accident, you need two additional forms of coverage:
Comprehensive – When damage to your vehicle occurs outside of a normal car accident, comprehensive coverage can pay for repairs to your car. For example, damage from theft, fire, animals, or anything else fall under comprehensive coverage.
Collision – If your car takes on damage from a collision with another vehicle, collision coverage can repair it.
As these are optional coverage choices in Wayzata, MN, it’s important you know if your policy includes them or not. Don’t wait until an accident occurs before you find out. In addition, the amount of collision or comprehensive coverage you have will dictate how much the insurance company can pay out for repairs or replacement.
Pizano Insurance offers collision, comprehensive, and other important auto insurance options. Contact us today to learn which auto insurance options will work for your specific situation.