Driving in Minnesota has its hazards, and even the most careful drivers can end up with a crumpled fender or other auto damage requiring a trip to the repair shop. Add winter conditions of icy, snowy roads with motorists who aren't used to these conditions and the risk of car crashes increases.
You can reduce the risks by making sure your vehicle is ready for winter weather with good tire treads, snow tires, good brakes, working windshield wipers and windshield wiper fluid that contains antifreeze. Also, it's important to decide whether to drive and how fast to drive based on road conditions. Finally, winter is a good time to review your insurance.
Don't wait until your car slides through an icy intersection or a tree falls on your truck to find out whether you are covered for any losses. For example, motorists with collision insurance may be reimbursed for damage to their vehicle in a crash. However, drivers with comprehensive coverage may be reimbursed for damage other than a collision (such as running into a deer). Minnesota law doesn't require comprehensive coverage and some people with older vehicles don't purchase this coverage. It's up to you to decide what insurance you need.
When drivers file an insurance claim to help pay for repairs, they often have questions about what is required of them and the insurance company. The Minnesota Department of Commerce, which regulates the state's insurance industry, responds to requests for information or assistance through the Department's Consumer Response Team (CRT).