Minnesota winters put more stress on your auto policy than most drivers realize. Every year we see the same coverage gaps show up right when the first real snowstorm hits.
The most common one: comprehensive coverage with a deductible that’s higher than what most windshield or hail damage actually costs to fix, meaning you’re effectively paying for coverage you’ll never use. The second: roadside assistance limits that don’t account for how much a tow costs when you’re stuck on a rural highway outside the metro.
Before the snow flies, it’s worth a quick review of your comprehensive deductible, your roadside/towing limits, and whether your policy has any exclusions for driving on unplowed roads. A five-minute call can catch all three.