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SF 3630

Uninsured and underinsured motorist liability and coverage requirements modifications

2025-2026 Regular Session Introduced by Bonnie Westlin

SF 3630 modifies Minnesota's mandatory uninsured/underinsured motorist auto insurance coverage requirements, adjusting liability limits and protection thresholds for drivers.

Referred to Commerce and Consumer Protection
#commerceandcommercedepartment #insurance-motorvehicles #liability
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WeVote Research Nonpartisan
Bill Summary · SF 3630

Legislative bill overview

SF 3630 modifies Minnesota's requirements for uninsured and underinsured motorist (UM/UIM) coverage that drivers must carry on their auto insurance policies. The bill adjusts liability limits and coverage thresholds that protect insured drivers when involved in accidents with drivers who lack adequate insurance. Specific amendments to coverage minimums and requirements are under consideration in the Commerce and Consumer Protection Committee.

Why is this important

Minnesota drivers frequently encounter uninsured or underinsured motorists on roadways, leaving them vulnerable to significant out-of-pocket losses if they lack adequate UM/UIM coverage. Changes to these requirements directly affect insurance costs for consumers and determine what financial protection is mandatory or optional. The modifications could either expand consumer protections or reduce insurance premium burdens depending on the direction of the changes.

Potential points of contention

  • Whether coverage requirement increases will raise insurance premiums for all Minnesota drivers, potentially creating affordability concerns for lower-income motorists
  • How adjusted liability limits balance consumer protection against insurance industry costs and market competitiveness
  • Whether modifications adequately account for rising medical costs and vehicle repair expenses since previous coverage standards were established

Compiled from official sources — confirm details with the bill’s official record.

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