Minn. Stat. » CHAPTER 65B. AUTOMOBILE INSURANCE
Minnesota Statutes

Minn. Stat. § 65B.50 (2026)

Insurers' Certification Of Basic Coverage

✓ current as of May 2026
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Subdivision 1.Filing.

Every insurer licensed to write motor vehicle accident reparation and liability insurance in this state shall, on or before January 1, 1975, or as a condition to such licensing, file with the commissioner and thereafter maintain a written certification that it will afford at least the minimum security provided by section 65B.49 to all policyholders, except that in the case of nonresident policyholders it need only certify that security is provided with respect to accidents occurring in this state.

Subd. 2.Contacts of liability insurance as security covering the vehicle.

Notwithstanding any contrary provision in it, every contract of liability insurance for injury, wherever issued, covering obligations arising from ownership, maintenance, or use of a motor vehicle, except a contract which provides coverage only for liability in excess of required minimum tort liability coverages, includes basic economic loss benefit coverages and residual liability coverages required by sections 65B.41 to 65B.71, while the vehicle is in this state, and qualifies as security covering the vehicle.

Notes of Decisions
Cited in 34 cases (1 in the last 5 years), 1980–2023 · leading case: W. Nat'l Mut. Ins. Co. v. State Farm Ins., 353 N.W.2d 169 (Minn. Ct. App. 1984).
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W. Nat'l Mut. Ins. Co. v. State Farm Ins., 353 N.W.2d 169 (Minn. Ct. App. 1984). · cites it 38× “To decide whether State Farm coverage applies we must interpret the language of Minn.Stat. § 65B.50 (1982). The statute provides: Subdivision 1.”
W. Nat'l Mut. Ins. Co. v. State Farm Ins. Co., 374 N.W.2d 441 (Minn. 1985). · cites it 32× “Both courts reached this conclusion, notwithstanding that: (1) the insured automobile(s) was not in Minnesota at the time of the accident; (2) Missouri, where the Archiletti vehicle(s) was garaged and insured, did not have a no-fault reparations act; and (3) Archiletti never…”
State Farm Mut. Auto. Ins. Co. v. Great West Cas. Co., 623 N.W.2d 894 (Minn. 2001). · cites it 16× “Great West is licensed to write insurance in Minnesota and has filed Motor Carrier Certificates of Insurance in both Minnesota and Nebraska in compliance with Minn.Stat. § 65B.50, subd. 1 *896 (2000) and Neb.”
Petty v. Allstate Ins. Co., 290 N.W.2d 763 (Minn. 1980). · cites it 10× “In accordance with Minn.Stat. § 65B.50, subd. 1 (1978), Allstate acknowledged its obligation to provide nonresident policyholders with the minimum security as provided by Minn.”
Ziegelmann v. Nat'l Farmers Union Prop. & Cas. Companies, 686 N.W.2d 563 (Minn. Ct. App. 2004). · cites it 20× “National Farmers moved for summary judgment, arguing that under Minn.Stat. § 65B.50, subds. 1, 2 (2002), National Farmers is not required to provide UIM coverage to a nonresident who is injured in an accident in Minnesota.”
Schoer v. West Bend Mut. Ins. Co., 473 N.W.2d 73 (Minn. Ct. App. 1991). · cites it 12× “West Bend contends that Ruth Ann Schoer’s nonresident automobile insurance policy should be interpreted under Minn. Stat. § 65B.50 (1988) which states in pertinent part: Subdivision 1.”
Aguilar v. Texas Farmers Ins. Co., 504 N.W.2d 791 (Minn. Ct. App. 1993). · cites it 14× “Minn.Stat. § 65B.50 (1990) (emphasis added).”
Founders Ins. Co. v. James Yates, 888 N.W.2d 134 (Minn. 2016). · cites it 26× “Because we conclude that the plain language of Minn. Stat. § 65B.50, subd. 2, requires Founders to provide no-fault benefits to Yates, we reverse the decision of the court of appeals.”
Schossow Ex Rel. Schossow v. First Nat'l Ins. Co. of Am., 730 N.W.2d 556 (Minn. Ct. App. 2007). · cites it 19× “In respondent’s subsequent suit, the district court denied appellant’s summary judgment motion and entered judgment for respondent, concluding that Ann Schossow was a Minnesota resident at the time of her fatal accident, and, therefore, Minn.Stat. § 65B.50, subd. 1 (2006),…”
Hedin v. State Farm Mut. Auto. Ins. Co., 351 N.W.2d 407 (Minn. Ct. App. 1984). · cites it 12× “Minn.Stat. § 65B.50 (1982). The purpose of this statute is to ensure compliance with Minnesota’s no-fault rules by foreign insurers.”
Cantu v. Atlanta Cas. Companies, 532 N.W.2d 261 (Minn. Ct. App. 1995). · cites it 20× “This case turns on the interpretation of Minn.Stat. § 65B.50, subd. 1 (1992), and the meaning of its cross-reference to section 65B.”
Nodak Mut. Ins. Co. v. Am. Fam. Mut. Ins. Co., 604 N.W.2d 91 (Minn. 2000). · cites it 2× “See Minn.Stat. § 65B.50 (1998); N.D. Cent.Code § 26.”
Show all 34 citing cases →
— Minn. Stat. § 65B.50(1) — 2 cases
W. Nat'l Mut. Ins. Co. v. State Farm Ins., 353 N.W.2d 169 (Minn. Ct. App. 1984). “To decide whether State Farm coverage applies we must interpret the language of Minn.Stat. § 65B.50 (1982). The statute provides: Subdivision 1.”
Hedin v. State Farm Mut. Auto. Ins. Co., 351 N.W.2d 407 (Minn. Ct. App. 1984). “Minn.Stat. § 65B.50 (1982). The purpose of this statute is to ensure compliance with Minnesota’s no-fault rules by foreign insurers.”
— Minn. Stat. § 65B.50(2) — 2 cases
W. Nat'l Mut. Ins. Co. v. State Farm Ins., 353 N.W.2d 169 (Minn. Ct. App. 1984). “To decide whether State Farm coverage applies we must interpret the language of Minn.Stat. § 65B.50 (1982). The statute provides: Subdivision 1.”
Hedin v. State Farm Mut. Auto. Ins. Co., 351 N.W.2d 407 (Minn. Ct. App. 1984). “Minn.Stat. § 65B.50 (1982). The purpose of this statute is to ensure compliance with Minnesota’s no-fault rules by foreign insurers.”
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