MINNESOTA GUIDE 05
Minnesota Uninsured & Underinsured Motorist Coverage
Minnesota requires separate uninsured and underinsured motorist coverages. Under Minn. Stat. § 65B.49, subd. 3a, each coverage must provide at least $25,000 for injury or death to one person and $50,000 for injury or death to two or more persons in one accident, subject to the statute and policy terms.
- Obtain every declarations page and UM/UIM endorsement that may apply.
- Identify who qualifies as an insured under each policy before assuming coverage is limited to the occupied vehicle.
- Review offsets, priority, exclusions and settlement provisions before resolving the liability claim.
- Coordinate UM/UIM analysis with Minnesota no-fault/PIP benefits and any applicable household or employer policies.
Primary Minnesota Source
Minn. Stat. § 65B.49 — Required Insurance and UM/UIM Coverage
Current-law review: September 16, 2026. UM/UIM recovery depends on insured status, policy language, liability payments, damages and the current statute.
VictimsGuide 