Liability coverage
Pays for injuries and property damage you cause to others. It's split into bodily injury (per person / per accident) and property damage. This is the coverage that protects your income and assets if you're at fault — carry well above the Minnesota minimum.
Personal Injury Protection (PIP)
Minnesota's no-fault coverage. Pays your medical bills, lost wages, and replacement services after a crash regardless of fault. See our no-fault & PIP deep dive for the details.
Uninsured & underinsured motorist (UM/UIM)
Protects you when the at-fault driver has no insurance or too little. Required in Minnesota. Full breakdown — including stacking — in our UM/UIM guide.
Collision coverage
Pays to repair or replace your vehicle after a collision — with another car, a guardrail, or a pothole — regardless of fault. Subject to your deductible. Most valuable on newer or financed vehicles.
Comprehensive coverage
Covers damage that isn't a collision: theft, vandalism, fire, falling objects, hail, flooding — and, very much in Minnesota, deer strikes. A single deer collision can total a vehicle, and in Minnesota that's a comprehensive claim, not collision.
Gap insurance
If your car is totaled while you owe more than it's worth, gap covers the difference between the loan balance and the vehicle's actual cash value. Most relevant on new, financed, or leased vehicles — especially in the first few years when depreciation outpaces your loan balance.
Rideshare coverage
Driving for Uber or Lyft creates a coverage gap that a standard personal policy doesn't fill — especially while you're logged in and waiting for a ride. Minnesota drivers who do any rideshare work should add a rideshare endorsement or confirm the platform's coverage.
OEM parts vs. aftermarket
After a repair, some policies pay for OEM (original manufacturer) parts, while others default to aftermarket or used parts. On newer vehicles — particularly those with safety sensors and calibrated systems — OEM parts can matter. Ask whether an OEM-parts endorsement is available.
Rental reimbursement & roadside
Inexpensive add-ons that pay for a rental while your car is in the shop and cover towing or lockouts. Easy to overlook until you need them during a Minnesota winter.