MN DVS MN DVS Insurance and Financial Responsibility 1 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage required per person in Minnesota?
- $20,000
- $30,000 (Correct answer)
- $50,000
- $100,000
Correct answer: $30,000
Minnesota requires at least $30,000 in bodily injury liability coverage per person involved in an accident.
Question 2: Minnesota is classified as what type of auto insurance state?
- Pure tort state
- No-fault state (Correct answer)
- Choice no-fault state
- At-fault contributory state
Correct answer: No-fault state
Minnesota is a no-fault state, meaning each driver's own insurance pays for their medical expenses regardless of who caused the accident.
Question 3: What is the minimum Personal Injury Protection (PIP) coverage required in Minnesota?
- $20,000
- $30,000
- $40,000 (Correct answer)
- $50,000
Correct answer: $40,000
Minnesota requires a minimum of $40,000 in Personal Injury Protection (PIP) as part of its no-fault insurance system.
Question 4: What is the minimum property damage liability coverage required in Minnesota?
- $5,000
- $10,000 (Correct answer)
- $15,000
- $25,000
Correct answer: $10,000
Minnesota law requires a minimum of $10,000 in property damage liability coverage per accident.
Question 5: What is the minimum bodily injury liability coverage required per accident (all persons) in Minnesota?
- $30,000
- $50,000
- $60,000 (Correct answer)
- $100,000
Correct answer: $60,000
Minnesota requires $60,000 in bodily injury liability per accident to cover injuries to multiple people in one crash.
Question 6: Which of the following coverages is NOT mandated by Minnesota state law?
- Bodily injury liability
- Personal Injury Protection (PIP)
- Comprehensive coverage (Correct answer)
- Uninsured motorist coverage
Correct answer: Comprehensive coverage
Comprehensive coverage is optional in Minnesota; it protects against non-collision events like theft or weather but is not legally required.
Question 7: What is the minimum uninsured motorist bodily injury coverage required in Minnesota?
- $10,000/$20,000
- $25,000/$50,000 (Correct answer)
- $30,000/$60,000
- $50,000/$100,000
Correct answer: $25,000/$50,000
Minnesota requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident.
MN DVS MN DVS Insurance and Financial Responsibility 1
What is the minimum bodily injury liability coverage required per person in Minnesota?