Will Insurance Pay for a DWI Accident?

Minnesota law allows insurance companies to exclude coverage for liability related to “intentional conduct, criminal conduct that intentionally causes an injury, and other exclusions permitted by law.” Insurance policies and adjusters may try to use this language to deny coverage for accidents caused by drunk driving. However, if exclusions do not apply, your mandatory personal injury protection (PIP) insurance might cover some damages from DUI accidents in Minnesota. Under the state’s no-fault insurance system, PIP allows you to receive compensation for damages up to the policy limits, even if you were at fault. You may pursue further compensation for damages not covered by PIP through an auto liability claim or personal injury lawsuit if you were less at fault than the defendant. Though drunk drivers are often primarily at fault for accidents and may struggle to pursue a liability claim against other involved drivers, our legal team can ensure you know your full legal rights and options.

What Costs are Covered if You Are the At-Fault Driver?

Assuming no exclusions apply, you must first turn to no-fault PIP coverage after an accident. In Minnesota, mandatory PIP covers $20,000 in medical expenses and $20,000 in non-medical expenses, including: Hospital visits, surgeries, and medication. Lost wages for the time you could not work due to the accident. Replacement services, such as childcare or household maintenance. Funeral expenses if the insured person dies in the accident. Additionally, collision coverage may cover damage to your vehicle. Health insurance may also be another source of compensation for healthcare costs.

What Costs are Covered if You Are Not at Fault?

Assuming no exclusions apply, you must first turn to no-fault PIP coverage after an accident. In Minnesota, mandatory PIP covers $20,000 in medical expenses and $20,000 in non-medical expenses, including: Hospital visits, surgeries, and medication. Lost wages for the time you could not work due to the accident. Replacement services, such as childcare or household maintenance. Funeral expenses if the insured person dies in the accident. Additionally, collision coverage may cover damage to your vehicle. Health insurance may also be another source of compensation for healthcare costs.

Does Insurance Cover Drunk Driving Accidents in Minnesota?

Home » FAQs » Does Insurance Cover Drunk Driving Accidents in Minnesota?

Insurance may cover DUI accidents, but the specifics depend on various factors. A skilled lawyer can help you understand your full legal rights and options after a DUI collision. Contact us to learn how we can assist you.

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Will Insurance Pay for a Drunk Driving Accident in Minnesota?
What Costs Does Insurance Cover in a Minnesota Drunk Driving Accident?
Comparative Fault in Minnesota DUI Accidents
How Our Minnesota Lawyers Can Help After a Drunk Driving Accident
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Will Insurance Pay for a Drunk Driving Accident in Minnesota?

Minnesota law allows insurance companies to exclude coverage for certain situations, such as intentional conduct or criminal actions. However, drunk driving accidents may still be covered under specific circumstances.

No-Fault Insurance Coverage

In Minnesota’s no-fault insurance system, your Personal Injury Protection (PIP) coverage may pay for some damages, even if you were at fault for the accident. This includes medical expenses and lost wages up to the policy limits.

You may also pursue additional compensation through an auto liability claim or personal injury lawsuit if the other party is partially at fault. Our experienced legal team can guide you through your options.

What Costs Does Insurance Cover in a Minnesota Drunk Driving Accident?

The amount of compensation you can receive depends on whether you were at fault for the accident and whether any exclusions apply.

Costs Covered if You Are the At-Fault Driver

If you are at fault, your PIP coverage provides the following compensation, assuming no exclusions apply:

$20,000 for medical expenses
$20,000 for non-medical expenses, such as:
- Hospital visits, surgeries, and medications
- Lost wages
- Replacement services like childcare and household maintenance
- Funeral expenses (if the insured person dies)

Additional Coverage

Collision coverage may cover vehicle damage.
Health insurance may cover healthcare costs if PIP is exhausted.

Costs Covered if You Are Not at Fault

If you are not at fault and your PIP coverage is exhausted, you may pursue compensation through auto liability claims or personal injury lawsuits. Minnesota drivers must carry the following minimum liability insurance:

$30,000 for injuries to one person
$60,000 for injuries to two or more people
$10,000 for property damage

You can seek compensation for both economic losses (medical expenses, lost wages) and non-economic damages (pain and suffering, emotional distress).

Comparative Fault in Minnesota DUI Accidents

Minnesota follows a comparative fault system. This means:

You can only recover compensation if you are less at fault than the other party.
Your compensation will be reduced proportionally to your degree of fault in the accident.

How Our Minnesota Lawyers Can Help After a Drunk Driving Accident

After a drunk driving accident, understanding which insurance policies apply and how to pursue compensation can be complex. Our experienced Minnesota car accident lawyers can help:

Assess your case
Advise on your legal options
Maximize your settlement or court verdict

We work on a contingency fee basis, meaning you only pay if we win your case. Contact us today to schedule your free consultation.

Call (651) 437-3148 or contact us online to get started.