Minnesota Insurance Organizer
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How to fill out Insurance Organizer?
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FAQ
Under the 1985 amendment, stacking by operation of law was eliminated. If two or more vehicles are insured under a policy, the named insured has to elect to add together the no-fault coverages on those vehicles and pay an extra premium. Otherwise, stacking of no-fault coverages is not permitted.
The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable.
No-fault is a Minnesota law. It was established to help ease the burden of courts and to ensure prompt treatment for accident victims. No-fault IS the Personal Injury Protection (PIP) on your policy, sometimes referred to as Basic Economic Loss Benefits.
Governor Tim Walz appointed Grace Arnold as Commissioner of the Minnesota Department of Commerce effective April 15, 2021. Arnold was appointed Temporary Commissioner on September 11, 2020. Previously, Arnold served as Deputy Commissioner of Insurance.
Under the 1985 amendment, stacking by operation of law was eliminated. If two or more vehicles are insured under a policy, the named insured has to elect to add together the no-fault coverages on those vehicles and pay an extra premium. Otherwise, stacking of no-fault coverages is not permitted.
The Minnesota Department of Commerce regulates life insurance in Minnesota. They provide a resource page HERE. While the Commerce Department may be able to assist you with issues pertaining to your life insurance claims it is important to understand that they do not serve as your attorney.
No-fault insurance also is referred to as personal injury protection (PIP). Minnesota requires that a minimum PIP coverage of $20,000 for medical care and $20,000 for wage loss/replacement services be available to every person involved in an accident.
Required. Under most circumstances, a licensed vehicle in the state of Minnesota must have liability, personal injury protection, uninsured motorist, and underinsured motorist coverage. These types of coverage are described below.
Non-owner car insurance is a form of liability coverage that protects you if you get into an accident while driving someone else's car. In Minnesota, non-owner insurance can pay for injuries and property damage that you cause others, but it won't pay for damage to the borrowed car or your medical expenses.
How to File a ComplaintContact a Regional Ombudsman for the county the person is in. Use the Regional Map or the Regional Ombudsman by County list.Call the OMHDD: 651-757-1800 or 1-800-657-3506.Email the OMHDD:ombudsman.mhdd@state.mn.us.Fax the OMHDD: 651-797-1950.Send us a letter by US postal mail:
