Your One-Stop Shop for Car Insurance Quotes & Claims Ratings

Whether you need car insurance for your personal car or an entire commercial fleet, it is important to understand the basics of car insurance coverage before comparing quotes and choosing a policy. At Weir Insurance, we will help you compare options and recommend auto insurance companies with good service ratings. Your agent will also explain policy features and coverage. Call us today at 507-387-3433 (Mankato) or 612-920-7000 (Edina) to discuss your needs.

Liability Insurance

Liability coverage, required in Minnesota, reimburses others for injury, damages or losses caused by your driving or your car. The two types of liability are:

• Bodily Injury Liability – In a car crash where you’re at fault, bodily injury liability will provide compensation for pain and suffering, lost earnings and related expenses resulting from injury or death. We can help you determine the right amount of coverage, based on whether you own a home and other substantial assets that could be at risk in a lawsuit.
• Property Damage Liability – This coverage will pay to repair or replace things you damage in an accident other than your own car. Again, it’s best to consider your personal situation.

A typical auto insurance policy clearly states the liability limits of that policy, usually as a series of numbers. Weir Insurance generally recommends a minimum of 100/300/100 liability limits. The first two refer to bodily injury and the last to property damage liability. In this example, each injured person would receive a maximum of $100,000, with $300,000 maximum allowed per accident. Property damage reimbursement for repairs or replacement would not exceed $100,000. You would be personally responsible for the balance. Our agents will be happy to help determine the amount of protection that is right for you.

Collision Insurance and Other Optional Coverage

You may choose from a variety of optional types of coverage aimed at protecting your and your loved ones who use your vehicles:

Collision coverage pays to replace or repair your car, regardless of who is at fault in the accident or if you are hit while parked.

Comprehensive insurance reimburses you for loss due to theft, fire, hail, flood, windstorm, broken glass, flying objects, birds or animals.

Personal Injury Protection (PIP) pays for physicians, hospital bills, continuing care, funeral costs and compensation for you and your passengers, regardless of who is at fault. It may pay expenses your health insurance does not cover.

Uninsured Motorist covers you and members of your household for losses in an accident with a hit-and-run driver or one who has no car insurance.

Underinsured Motorist covers you if you are hit by a driver with insurance that is not sufficient to pay the value of injuries or damage resulting from an accident.

Depending on your circumstances, you may consider an umbrella insurance policy to provide additional liability insurance protection in the event you are involved in an accident where the other driver is uninsured or underinsured.

Potential Auto Insurance Discounts

The agents at James Weir Insurance take time to understand exactly what your auto insurance needs are, so we can uncover discounts and other ways you can reduce your car insurance premiums while getting the coverage you need. Examples include the following:

• Defensive driving (clean driving record, driver’s ed for teens, defensive driver course for adults)
• Multi-policy (bundling auto insurance with home insurance) and multi-car discounts
• Low-mileage discounts
• Auto safety features (airbags, alarms, anti-lock brakes, etc.)
• Teen drivers at school more than 100 miles away 

Would you like more information? Try Frequently Asked Questions about Car Insurance, or contact our Mankato or Edina office today to speak with an agent about your needs and receive a competitive, free car insurance quote.