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Auto Insurance Coverages

Auto Insurance

Auto Insurance is a crucial coverage for all drivers and car owners. Pierce Insurance offers our experts in the insurance industry to help you in acquiring the insurance you need. Our company writes automobile insurance policies to cater to your unique needs.

Auto Insurance Basics

Auto insurance protects you from the costs that may come as a result of an accident. Our agents can walk you through the process of writing a new policy, explaining coverage limits and deductibles and the claims process.

What Do You Need to Know?

Auto insurance is a requisite for all car owners in Minnesota, and in case you have a car loan, your lender may want you to have Physical Damage Coverage as well.

Every policy in Minnesota will have limitations and will vary on what they cover and the extent of the coverage.

Minnesota is a No-Fault state. This means that your insurance company will pay for your medical expenses as a result of injuries from the accident no matter who is at fault. This, however, does not mean that the insurance companies will incur all the losses in an accident regardless whose fault it is.

The No-Fault claims are first made on your Personal Injury Protection, PIP. However, if this exceeds your PIP limits, then you can pursue the liability coverage of the other driver if they are found to be at fault.

With the dynamic nature of the auto insurance industry, you need a team of experts that will make sure you get the needed coverage. This is where Pierce Insurance comes in. We are prepared to ensure you are adequately insured in case an accident occurs.

Our Partners

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  • Acuity
  • Berkshire Hathaway Guard
  • Blue Cross/Blue Shield
  • Cincinnati
  • Continental Western
  • Foremost
  • Grinnell
  • Integrity
  • Medica
  • Progressive
  • Ram Mutual Insurance
  • Safeco
  • Secura
  • State Fund Mutual
  • Travelers
  • West Bend Mutual
  • Western National Mutual