Additional Coverage Minnesota Drivers Should Consider

If you want to fill smaller gaps in your car insurance coverage, you may consider optional add-ons that supplement your policy for more comprehensive protection.

Roadside assistance: You can add this coverage to your policy to make sure you have access to the services you need if you find yourself stranded by a dead battery or running out of gas. Life happens, and roadside assistance insurance is a great option if you want to prevent unpleasant surprises.

Gap insurance: Also known as “guaranteed asset protection,” this add-on covers the difference between the amount you owe on your car and its actual cash value after an accident that results in a total loss. You can also consider gap insurance if you’re leasing or paying off your car, and some lenders might require it.

Another popular add-on is MedPay, also known as medical payments coverage. This policy can cover expenses like medical bills, ambulance fees, and funeral costs. However, Minnesota law already requires you to carry PIP (personal injury protection), which offers more comprehensive coverage than MedPay. So, for a driver in Minnesota, MedPay coverage is superfluous.