Did You Know
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The car in the rear in an accident is not automatically at fault.
•
Independent witnesses are the best resource to determine liability.
•
If you need to rent a car following an accident that is not your fault, check
with the liable driver's insurance to determine the amount of rental car
coverage.
•Minnesota
state law does not require comprehensive or collision coverage, but your lien
holder will.
•
If your vehicle is totaled, your policy will not cover the cost of renting a
comparable vehicle unless you purchase a policy with that specific coverage.
•
Your Minnesota policy provides coverage outside the state anywhere in the
United States, US possessions, or Canada but not in Mexico. Some companies,
however, sell endorsements to your policy to cover your car in Mexico.
•
There is no “grace period” for continuing your policy beyond the premium due
date.
•
If you cannot mail your premium on time, personally hand deliver it to your
agent’s office and get a receipt. The date your agent is paid is considered to
be the date the insurer is paid.
•
Your agent is not required to call you to remind you that your premium is due.
•
An insurance company has 30 business days in which to accept, deny, or give a
reason why it cannot accept a claim.
•With
three exceptions, an insurance company can cancel your policy for any reason
within the first 59 days. The exceptions are your employment status, status as
a renter, and your not previously having had a policy (unless you were legally
required to have one). A company must, however, always give you the reason it
is canceling your policy.