If you live in the Woodbury, MN area and are a licensed driver, make sure you have car insurance. Kriener Insurance can provide the coverage you need to make sure you are in compliance with the law.
Why Auto Insurance?
There are only two states in the country that do not require drivers to be insured. If you live in Virginia or New Hampshire, car insurance is not required. But residents in the other 48 states are by law required to have it.
If you are at fault in a car accident, you will be held responsible for any resulting expenses. These expenses could be legal fees, the injured party’s medical costs, or lost income if they are unable to work. If you are driving without car insurance, the financial consequences can be disastrous.
Uninsured motorist coverage is also required in many states. This pays for medical expenses for you and any passengers you have if you are hit by a driver that does not have enough car insurance or none at all. This does not cover other drivers.
States that have a no-fault car insurance system in place require drivers to have PIP (personal injury protection). This pays your medical bills no matter who is at fault.
There are three types of automobile coverage:
- Liability coverage protects you if you are at fault in an accident. It pays for another individual’s costs to repair their vehicle and their medical expenses resulting from the accident. Most states have legal minimum requirements regarding how much liability coverage is needed. It is wise to purchase more than is needed to lower your chance of out-of-pocket costs later.
- Collision coverage protects you if you hit another car or non-moving object. It will help cover the costs of repairing your car regardless of fault.
- Comprehensive coverage protects your vehicle from vandalism, theft, fire, weather events, etc. This coverage is usually sold along with collision coverage.
Contact Us Today
If you live in or near the Woodbury, MN area, contact Kriener Insurance for a quote or an answer to any questions you may have. You will be glad you did.