Auto insurance is an important type of insurance for all car owners because it provides protection on the road and peace of mind. Auto insurance rules and requirements vary from state to state and depend on numerous factors. If you are a car owner from the state of Minnesota or Michigan and you are thinking of purchasing a car insurance policy, Arcadia Insurance Group has prepared a list of things you should know:
- In both Minnesota and Michigan, it is required to present proof of car insurance when you register a vehicle. This means that it is illegal to drive without proper auto insurance. If you are caught driving without it, your license and/or your registration may be suspended. In addition, you may have to pay a fine of at least $200.
- Minnesota is a no-fault state, meaning that in case of a car accident, everyone is treated the same and nobody gets sued.
- As a resident of Minnesota or Michigan, you are also required to have two types of liability coverage included in your insurance policy - property damage (covers the damage you caused to the property or vehicle of another party) and bodily injury (associated with bodily harm sustained by other parties involved in an accident).
- If you are planning to use your personal vehicle for commercial purposes (such as delivery, for example) you will have to purchase a separate commercial insurance policy.
Auto insurance is must-have for all drivers who want to protect themselves, their vehicles, and other parties on the road. If you are a resident of Minnesota, Michigan, Wisconsin, Illinois, Indiana, Georgia, Alabama, or Texas and you are looking for car insurance for your vehicle, Arcadia Insurance Group is ready to help you find the policy you need. All you need to do is to visit our website or give us a call to talk to one of our professional and knowledgeable insurance agents, who will answer all your questions.