Minnesota Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $30,000 per person injured in any one accident and $60,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Basic Economic Loss Benefits.

• A minimum of $40,000 for injury to any one person, consisting of $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral expense, survivor’s economic loss, and survivor’s replacement services is required. An injured person cannot sue a negligent driver, unless damages exceed the coverage amount or the injury results in a permanent disfigurement, permanent injury, death, or disability that lasts 60 days or longer.

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. Each coverage must provide at least $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. UIM benefits required by the statute do not apply to bodily injury suffered by an insured person driving a motorcycle owned by the insured person.

Special Rules for Motorcycle Owners

• Motorcycle owners must carry liability insurance. There is no requirement that the policy provide for basic economic loss benefits. For purposes of the economic benefits, injuries suffered while riding, mounting, or operating a motorcycle do NOT arise out of the “maintenance or use of a motor vehicle,” even if a motor vehicle was involved in the injury.