Auto Insurance Policy Lapse Minnesota MN
Reader’s Question:
In the state of Minnesota, what will happen if your auto insurance policy lapses?
Rick
Rochester, Minnesota
The Minnesota State Statues Section 65B.48 states that every owner of a vehicle registered or garaged in the state must maintain a guarantee of insurance against loss or damages resulting from the operation of the vehicle. This auto insurance must show liability over injury, property or vehicle damage. Therefore, if your vehicle does not have insurance for a specific period of time, this would mean that you are already violating a state law, and you may face sanctions because of this.
There is a No-Fault insurance law in MN that states that maintaining an uninsured vehicle within the premises of the state (whether being operated or just garaged) is considered a crime. Since this violation is considered a crime, the state may sanction a fine, imprisonment, suspension of driver’s license, or all three of this at the same time, to the accused.
In addition to this, Section 169.791 states that every driver should be able to produce a proof of auto insurance at the time that it is needed by the court or a law enforcer. Inability to show proof of auto insurance may lead to accusation of misdemeanor and if found guilty, payment of a fine, imprisonment, or driving license suspension may be given as penalty.
Tags: auto insurance, auto insurance lapse, car insurance law
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