Keeping Our Clients Protected

From accidents caused by slippery roadways to parking lot fender benders, the risks facing MN drivers are many. We routinely provide motorists in Shakopee, Savage, Prior Lake, and the surrounding areas with comprehensive auto insurance.

At Innovative Insurance Services LLC, we take a consultative approach to insurance. Whether a new teen driver or seasoned veteran, we work with our clients one-on-one to determine needs and exposures en route to the right policy.  By working closely with our clients to identify risks, we are able to match them with the right coverages.  We are dedicated to providing exceptional customer service and always have our customer’s best interest in mind. We are there to answer any of your questions or concerns.

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Or Contact us to learn more about our products and service.

Auto Insurance Coverage Options:

Liability Coverage

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.  If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

• Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
• Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same.

Uninsured & Underinsured Motorist Coverage 

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

It’s Important to be Prepared for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Personal Injury Protection (PIP)

Coverage that Helps You Get Well.

At Innovative Insurance Services LLC, we know that the safety and well being of you and your family is important, both on and off the road. Since auto accidents can involve more than just damage to your car, we’re here to help prepare you for insuring any injuries to you or a family member as a result of an auto accident.

With Personal Injury Coverage from Innovative Insurance Services LLC, you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury also can extend to take care of your passengers’ bills.

Comprehensive Coverage

Security On and Off the Road.

Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At Innovative Insurance Services LLC, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:

• Theft or Larceny
• Vandalism and Glass Breakage
• Fire Damage
• Hail, Water, or Flood Damage
• Hitting a Deer or Other Animal
• Damage from Falling or Flying Objects

Collision Coverage

Bumper-to-Bumper Protection for Your Auto.

For most drivers, a car is more than just a means of transportation - it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Innovative Insurance Services LLC, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or object.

How Much Collision Coverage is Needed?

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Innovative Insurance Services LLC can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

• Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
• GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
• Accident Forgiveness ensures that your rates won’t increase because of a single accident.

Roadside Assistance and Towing

Help On the Go.

In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees. By adding optional Towing coverage from Innovative Insurance Services LLC to your Auto Insurance policy, you’ll get the peace of mind knowing that no matter where your journeys take you, you’ll never be alone.

In addition to our Towing coverage, Innovative Insurance Services LLC also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative with Innovative Insurance Services LLC today for more information.

Rental Reimbursement (aka Loss of Use Coverage)

Get Back On the Road Faster.

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, Innovative Insurance Services LLC offers Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with an insurance specialist from Innovative Insurance Services LLC to make sure you know what’s covered and to see if you qualify for this additional service.