What is Minnesota No-Fault Law?
Under Minnesota no-fault law, accident victims are compensated for some basic economic losses, even if they are at fault. According to the Minnesota No-Fault Automobile Insurance Act (Minn. Stat., Sec. 65B.41), insurance companies covering automobile accidents in Minnesota must “provide for a minimum of $40,000 for loss arising out of the injury of any one person, consisting of: (1) $20,000 for medical expense loss arising out of injury to any one person; and (2) a total of $20,000 for income loss, replacement services loss, funeral expense loss [$2,000 limit], survivor’s economic loss, and survivor’s replacement services loss arising out of the injury to any one person” (Minn. Stat. Sec. 65B.44(a)).
The most a car accident victim can recover under Minnesota no-fault law is $40,000. You may have paid for more no-fault coverage.
Do I get pain and suffering under Minnesota no-fault coverage?
Car accident victims with Minnesota auto accident insurance do not get pain and suffering compensation under their auto insurance no-fault provisions. Minnesota no-fault insurance coverage is governed by Minnesota Statutes, Sections 65B.41 to 65B.71 (referred to as the Minnesota No-Fault Automobile Insurance Act). Under Minnesota’s no-fault auto insurance law, a driver involved in a car accident has a right to payments from his or her insurance company for basic economic loss, whether or not the driver was at fault for the accident.
What do I do when I am contacted by an insurance company after my Minnesota car accident?
After your car accident, you will most likely be contacted by at least one insurance company within 72 hours. Your are required to report your accident to your insurance company, but you are not required to say anything to any other insurance company. Insurance representatives are trained to get information out of you that the insurance company can use against you. DO NOT TALK TO THEM, not even pleasant conversation. They will sound very nice and concerned. Say nothing.
If you have not contacted an attorney before you are contacted by an insurance company, you can still simply say, “I will have my attorney contact you.”
Then contact us, and we will take care of all legal matters surrounding your accident. It is always better to have a knowledgeable, experienced Minnesota car accident lawyer on your side.
We have a number of options for contacting our law firm:
- Call 612-338-0202 (Twin Cities)
- Call 1-888-377-8900 (toll-free)
- Submit our online consultation form (an attorney will review your form and get back to you as soon as possible)
- Email our Minnesota car accident lawyers (again, an attorney will review the email and get back to you as soon as possible)
It is important for you to hire a Minnesota car accident lawyer you can trust. We look forward to hearing from you and answering all of your questions.
