Auto Insurance in Minneapolis–Saint Paul

Minneapolis-Saint Paul, fondly known to its inhabitants as the Twin Cities, grew to incorporate the Mississippi and St. Croix Rivers. In spite of the Twin Cities nickname, the two cities are actually separate municipalities. Minneapolis is the larger of the two, and Saint Paul is the Minnesota state capital.

Minneapolis and Saint Paul are like fraternal twins; they aren’t identical. Minneapolis is the younger of the two and has modern skyscrapers, while Saint Paul has more of an East Coast feel complete with charming neighborhoods and many wonderfully kept examples of the very late period of Victorian Architecture. St. Paul was home to lumber barons and railroad developers.

Though Minneapolis and Saint Paul are truly different cities, and though each insurance carrier is different, there are some common steps to take if you are involved in an accident. Here are seven simple steps to take to ensure that an automobile accident, while stressful, wreaks less havoc on your day:

  • Remember to stay calm. If you keep a calm attitude, it will assist in keeping and otherwise chaotic situation under control.
  • Always check and make sure everyone is OK, both you and your passengers. Turn on your hazard lights if they work. If everyone is ok, and you can exit your vehicle safely, get yourself as far from the road as you can while staying at the scene. Set flares if you have them.
  • Notify the police about the accident immediately. Call 911.
  • Never move your passengers or other drivers and their passengers yourself. Let the emergency medical technicians, the professionals, do the job. You do not want to make any situation worse.
  • Notify your auto insurance carrier while you are on the scene if possible. They may have additional suggestions for your best protection.
  • Never admit fault. You were in the car and not watching the whole scene. This helps legally protect you. Only discuss the accident with the police and your insurance carrier.
  • Make sure to exchange driver’s license and insurance information with all other drivers involved.

An accident can be a confusing situation, and many are prone to forget what information to acquire. Make sure to get the following information from each driver involved in the accident:

  • Full names
  • Physical addresses
  • Phone numbers
  • Vehicle license numbers (plus state) of all drivers
  • Witnesses. With witnesses, focus especially on those who were involved, riding in one of the vehicles involved in the accident.
  • Last, but not least, make sure you get the name of each driver’s insurance carrier and their policy number.

Before you ever even get into an accident, have a conversation with your insurance agent to make sure you have the right auto insurance coverage. One thing that you do not want to do is find out afterwards that you have to pay damages out of your own pocket. This could be costly.

Enjoy Driving in Minneapolis-St. Paul!

 

Resources

Insurance Information Institute www.iii.org