Who's required to carry commercial insurance? [The Free Press, Mankato, Minn.]

Jan. 13—Question: I have a question about people who are driving for food deliveries and ride-hailing app services using their personal vehicle. Are they supposed to have commercial insurance or any other special type of insurance?

Back in the '80s, I was working as an owner/operator using my personal vehicle and was told that I needed commercial insurance.

Answer: Minnesota requires that every vehicle on a public road or street has auto insurance. Under most circumstances, a licensed vehicle in Minnesota must have liability, personal injury protection, uninsured motorist and underinsured motorist coverage.

Some vehicles, such as those for commercial use and limousines, have other requirements that are above the minimum standards for a personal vehicle.

Drivers should contact their insurance agent to talk about the proper auto insurance coverage. It is also a good idea to talk to your agent about coverage when renting a vehicle, loaning out your vehicle or borrowing someone else's.

The proof of insurance card or electronic format should include:

—The insured's name.

—The policy number.

—The policy dates of coverage.

—The make, model, and year of the vehicle being covered.

—The vehicle identification number or at least the last three digits of that number.

—The name of the obligor providing coverage.

For more information about required insurance, go to: dps.mn.gov/divisions/dvs/forms-documents/documents/autoinsuranceinfo.pdf.

Any questions concerning traffic related laws or issues in Minnesota, send your questions to Trooper Troy Christianson, Minnesota State Patrol, 2900 48th St., NW, Rochester MN 55901-5848; or send an email to: [email protected].

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