Understanding the ins and outs of auto insurance can be challenging. The language and terminology can sometimes be difficult to interpret. But don’t worry. The experienced team at Rising Star Insurance, serving the Saint Paul, MN area, is here to help you understand what your policy covers and what it doesn’t.

Our customers often ask, “Does my auto policy cover my teenage kids and their friends?”

According to the Minnesota Department of Commerce, if you lend your car to a relative or a friend, and they have an accident and get injured, their injuries will be covered by their policy if they carry an automobile insurance policy. If they don’t have coverage, the benefits will be covered by your policy.

Secondly, if your vehicle is damaged, your damages are covered as long as you have comprehensive and collision insurance coverage. The details can become more complicated depending on who caused the accident. We are always available to help you work through such information.

What is Comprehensive and Collision Insurance?

Required auto insurance in Minnesota includes Personal Injury Protection (PIP), Liability, Uninsured, and Underinsured coverage. Collision and Comprehensive are two optional types of coverage that provide additional protection.

• Collision: This is insurance coverage that pays for damages to your vehicle if you are in an accident with another vehicle or object.
• Comprehensive insurance covers everything not covered by accident or collision coverage, including fire, theft, and falling objects.

Get The Right Saint Paul Auto Insurance Today

Auto insurance offers excellent coverage when you, a family member, or a friend are driving your vehicle. Contact Rising Star Insurance, serving the Saint Paul, MN, area, today.