New Vehicle Insurance Minnesota MN

Reader’s Question:

Is there a legal age age in purchasing and insuring a vehicle in Minnesota?

Miguel

Maple Grove, MN

You will need to verify with state laws to know the legal age, but federal law states that the legal age to sign a contract is 18 years old.

The signer of any contract typically must be 18 or over (not a legal minority). There are some cases where a seller will waive this right. So will let a sixteen year old sign a contract but it is not legally binding.

Typically you can sign with a co-signer, but they are the responsible party and you still need an approval of the legal guardian.

This also applies for an auto insurance contract.

 

Tags: New Driver Insurance, teen insurance, Young driver car insurance

Traffic Insurance Points Eden Prairie Minnesota MN

 

Reader’s Question:

I got a careless driving ticket in auto Eden Prairie MN. How will that affect my insurance as opposed to to a speeding ticket violation?

Billy

 

Eden Prairie MN

 

A speeding ticket is a slightly lesser offense than the careless driving violation and is similar to the reckless driving violation.

 

The Minnesota Insurance Rules chapter 2770 states that 1.5 points are assigned for careless driving, 2.5 points are assigned for reckless driving, compared to 0.5 points assigned for speeding ticket. Insurance providers use these points to determine insurance policy renewal, and a total of 2 points acquired by one insured on a single car is sufficient to warrant non-renewal of your car insurance policy.

Check with your insurance provider in Eden Prairie MN to get more accurate information as to how this will affect your insurance policy.

 

Tags: auto insurance, traffic violation

 

Car Insurance Burnsville, Minnesota MN

Reader’s Question:

Am I required to have auto insurance on a vehicle that is parked on the street in Burnsville, Minnesota, even though I do not drive the vehicle?

Ben

Burnsville, MN

According to Minnesota Statute states that every owner of a car which is required to be licensed or registered or is principally garaged in Burnsville, MN shall maintain insurance during the period of use or operation is contemplated.

So it seems that if your vehicle is registered it needs to maintain auto insurance on it. It is also parked or garaged in the state and on a public highway or road so it likely needs to maintain license plates and registration.

You can verify with the Minnesota Driver and Vehicle Services to verify if there is special insurance or registration that is offered for a car that is non-operational. Some states even offer lower registration rate for inoperable vehicle.

 

Tags: auto insurance, autos

Auto Insurance Minnetonka Minnesota MN

Reader’s Question:

Do both vehicle and the driver need to be insured? If I insure my vehicle, isn’t it covered by anyone who drives it? I live in Minnetonka Minnesota.

Wendell

Minnetonka, MN

According to the Minnesota Driver’s Manual owners of motor vehicles must carry liability and no-fault insurance on their cars. Valid proof of insurance must be maintained in the car at all times.

A Minnetonka Minnesota car insurance policy will typically cover any relative living in your house who does not have an insurance policy of his or her own and they are listed on the policy.

According to the MN Department of Commerce auto insurance guide a driver using your vehicle with your permission and is not covered by another auto insurance policy, may also be covered by your policy.

Thus it is the car that must be insured. To verify that friends and others that you give permission to drive your vehicle are covered by your specific auto insurance carrier, check with your car insurance agent.

 

Tags: auto insurance

Driving With Revoked License Minnesota MN

Reader’s Question:

What will be the penalties in the state of Minnesota for driving after license was revoked?

Francis

Maple Grove, MN

In Minnesota the penalties for being caught driving with a revoked license can vary. The length of time for the revocation will likely be increased for one and in some locales the law enforcement officers will confiscate the license plate of the car being driven.

This type of infraction is a misdemeanor which an attorney in the jurisdiction in which the offense occurred is responsible for prosecuting To get more information regarding the specific penalties you could face, you may contact the number listed on your citation or the court in which you attend to deal with the ticket.

 

Tags: auto insurance, Driving without License, traffic violation

Driving Without Insurance Minnesota MN

Reader’s Question:

What will be the penalties if I drive without insurance in the state of Minnesota? Recently I was pulled over and got a ticket for being uninsured. I got insurance, appeared in court and paid my fine however they never asked for proof of auto insurance at the courthouse. When I went to renew my tabs the Department of Motor Vehicle informed me that my license and license plates were revoked! Why?

Jenny

Duluth, MN

That should not have occurred. You should be able to resolve it with the Minnesota Department of Motor Vehicle. Show them that you appeared in court and satisfied the requirements such as paying the fine. The only time the court would consider revoking or suspending your license would be if you failed to appear in court, if you are arrested, charged and convicted for violation of driving law in Minnesota.

If they inform you that you did not satisfy the requirements, then you may now be required to provide proof of financial responsibility.

 

Tags: auto insurance, automobile