The state of Minnesota requires auto insurance to drive on the roads. With this requirement 10% of drivers still drive without insurance and many more drive with the minimum $10,000 of property damage required. The average crash costs $61,600. What are your liability limits? Selecting good limits may be the most important thing you do.
Know Your Auto Insurance Coverage
What can my Auto Insurance cover?
- Glass Coverage
- Personal Injury Protection
- Rental Reimbursement
- Roadside Assistance
- Accessory Coverage
What is likely excluded from my Auto Insurance?
- Intentional Acts
- Criminal Acts
- Business Use*
- Delivery, Uber, Lyft*
- *Uber, Lyft ridesharing available by endorsement
- * Certain business use may be allowed, ask agent for details
Content is for educational purposes only and is not an offer of coverage. Please read and understand your specific policy coverage and exclusions.
Novallus Insurance Tips
What to consider when selecting your coverage.
- The term full coverage is a myth. Review your comprehensive and collision deductibles and watch for safety glass via endorsement. We see plenty of drivers that think they have full coverage and are driving around on state minimum limits.
- Roadside assistance is valuable for tows, tire changes, emergency fuel and lockout assistance. It’s typically cheaper than standalone roadside assistance company offers.
- If you need to drive a vehicle select rental reimbursement. This pays for a rental car while your car is in the shop due to a covered loss.
- Make sure you list all household members.
- The named insured or spouse must be the registered title holder to vehicles on the policy.
Jeremy called me. His old commuter car was just in a major hailstorm damaging his glass windshield and denting his hood. We had just done an annual review of his coverage during which I encouraged him to keep comprehensive coverage, so all we had to do was make the call to us. We arranged for the claim and he ended up with a new windshield and check for the damage to the hood less his deductible.
Comprehensive coverage including $0 deductible glass coverage isn’t just for new vehicles. It’s typically inexpensive and is recommended for most vehicles on the road today. A new windshield typically costs between $250 and $500 but we’ve seen windshields replacements as high as $1000. New collision avoidance technology needs to be re-calibrated with a new windshield. Glass coverage is recommended for cars new and old!
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