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August 2019 Archives

What happens when the other driver doesn't have insurance?

You carry motor vehicle insurance to protect yourself from liability in a collision where you are at fault. When another driver causes a motor vehicle crash, their insurance policy is the one that is supposed to pay for your property damage, lost wages and medical expenses. Sometimes, your policy will pay up front and then subrogate the claims to the other company. Other times, they will insist you bill the other driver's insurance.

Distracted driving is an avoidable risk

Accidents involving distracted drivers claimed 3,166 lives around the country in 2017 according to figures from the National Highway Traffic Safety Administration. However, many road safety groups think that distraction is under-reported and the true death toll is actually much higher. This kind of crash is often blamed on mobile electronic devices, but Minnesota drivers can be distracted by far more than their cellphones.

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