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