Automobile Insurance (the Minnesota No-Fault Automobile Insurance Act, the automobile insurance plan, cancellation and nonrenewal)

What this document is

Minnesota Statutes Chapter 65B - Automobile Insurance (the Minnesota No-Fault Automobile Insurance Act, the automobile insurance plan, cancellation and nonrenewal) is a state statute published by Minnesota Office of the Revisor of Statutes (revisor.mn.gov). It is one of the Minnesota documents that insurance license exam questions are written from, including minnesota property & casualty, minnesota personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Minn. Stat. § 65B.44, subd. 1(a) (Basic economic loss benefits; inclusions)

  “Basic economic loss benefits shall provide reimbursement for all loss suffered through injury arising out of the maintenance or use of a motor vehicle, subject to any applicable deductibles, exclusions, disqualifications, and other conditions, and shall provide a minimum of $40,000 for loss arising...”

• Minn. Stat. § 65B.51, subd. 3(a) (Limitation of damages for noneconomic detriment)

  “In an action described in subdivision 1, no person shall recover damages for noneconomic detriment unless: (a) The sum of the following exceeds $4,000: (1) reasonable medical expense benefits paid, payable or payable but for any applicable deductible, plus”

• Minn. Stat. § 65B.49, subd. 3a(1) (Uninsured and underinsured motorist coverages)

  “(1) No plan of reparation security may be renewed, delivered or issued for delivery, or executed in this state with respect to any motor vehicle registered or principally garaged in this state unless separate uninsured and underinsured motorist coverages are provided therein. Each coverage, at a...”

• Minn. Stat. § 65B.49, subd. 10 (Time limitations)

  “(a) Unless expressly provided for in this chapter, a plan of reparation security must conform to the six-year time limitation provided under section 541.05, subdivision 1, clause (1). (b) The time limitation for commencing a cause of action relating to underinsured motorist coverage under...”

• Minn. Stat. § 65B.15, subd. 1 (Cancellation or Reduction in Limits During Policy Period; Grounds and Notice)

  “No cancellation or reduction in the limits of liability of coverage during the policy period of any policy shall be effective unless notice thereof is given and unless based on one or more reasons stated in the policy which shall be limited to the following: 1. nonpayment of premium; or 2. the...”

• Minn. Stat. § 65B.64, subd. 3 (Persons Entitled to Participate in Assigned Claims Plan; Disqualification)

  “A person shall not be entitled to basic economic loss benefits through the assigned claims plan with respect to injury which was sustained if at the time of such injury the injured person was the owner of a private passenger motor vehicle for which security is required under sections 65B.41 to...”

• Minn. Stat. § 65B.133, subd. 5a (Surcharge Disclosure; Surcharge Prohibition)

  “No surcharge is chargeable to an insured who collects benefits under a policy because the insured is a passenger in a bus, taxi, or commuter van involved in an accident.”

• Minn. Stat. § 65B.1311, subd. 1 (Coverage for Former Spouse; New Policy Issued)

  “An insurer must issue a policy of private passenger insurance to the former spouse of a named insured, within the provisions of subdivision 2, if the following conditions are met: (1) the former spouse has been an insured driver under the former policy for at least the six months immediately...”

• Minn. Stat. § 65B.133, subd. 2 (Surcharge Disclosure; Disclosure to Applicants)

  “Before accepting the initial premium payment, an insurer or its agent shall provide a surcharge disclosure statement to any person who applies for a policy which is effective on or after January 1, 1983. If the insurer provides the surcharge disclosure statement on the insurer's website, the...”

• Minn. Stat. § 65B.17, subd. 1 (Renewal; Notice Not to Renew; General Regulations)

  “No insurer shall fail to renew an automobile insurance policy unless it shall mail or deliver to the named insured, at the address shown in the policy, at least 60 days' advance notice of its intention not to renew. The notice must contain the specific underwriting or other reason or reasons for...”

• Minn. Stat. § 65B.16 (Statement of Reasons for Cancellation or Reduction)

  “No notice of cancellation or reduction in the limits of liability of coverage of an automobile insurance policy under section 65B.15 shall be effective unless the specific underwriting or other reason or reasons for such cancellation or reduction in the limits of liability of coverage are stated in...”

• Minn. Stat. § 65B.44, subd. 4 (Basic Economic Loss Benefits; Funeral and Burial Expenses)

  “Funeral and burial benefits shall be reasonable expenses not in excess of $5,000, including expenses for cremation or delivery under the Darlene Luther Revised Uniform Anatomical Gift Act, chapter 525A.”

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