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If you are a motorcyclist in Minnesota you must review your insurance policy. In particular you need to review your UIM (Underinsured Motorist ) coverage.

UIM is the coverage you buy to protect yourself over and above the coverage of the at-fault party. For example, you are injured by a car in Minnesota which carries the state
minimum limits of $30,000 in liability. Your injuries, medical bills, and wage loss are beyond that coverage. You would turn to your UIM for additional protection.

In Minnesota, UIM is not a mandatory coverage on motorcycles . On cars it is. So it is a protection that you need to ask for and to make sure you have. With some companies you can also buy No Fault coverage on your bike, which will provide for medical and wage loss coverage no matter how the accident happens. As long as the bills are reasonable, necessary, and related to the accident.

When purchasing UIM coverage, it is important to check what exactly you’re
paying for. There are some companies selling difference of the limits UIM coverage. That means you can only receive the amount of UIM coverage you purchased, after the amount that the other party pays is deducted. Using our example from above: the other party pays $30,000, you have $30,000 in UIM. You receive $0 in additional coverage. If you had $50,000, in UIM, you would really have $20,000. Therefore, you are not getting the coverage you thought you paid the premium for. Make sure you check you policy before it becomes important.

Presently, there is a case making it’s way through the Minnesota Court
of Appeals that is questioning whether difference-of-the-limits
policies are allowable in Minnesota. But till then:

Check every one of
your coverages.

Make sure you have UIM and No Fault .

Make sure you
are getting what you paid for with the coverages.

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