Minnesota’s no-fault insurance laws allow you to recover compensation for injuries in a car accident, even if you were partly at fault. The state’s comparative negligence law also offers the possibility of recovery from other parties if they share responsibility. Our experienced car accident lawyers can help investigate your case and clear any allegations of fault against you. Contact us today for a free case evaluation.
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Minnesota No-Fault Car Insurance Laws
What Is No-Fault Insurance?
In Minnesota, all drivers are required to carry at least $40,000 in no-fault insurance coverage, also known as Personal Injury Protection (PIP) or Basic Economic Loss Benefits. This insurance helps pay for:
- Medical expenses (up to $20,000)
- Non-medical expenses like lost wages (up to $20,000)
Higher coverage limits are available if needed.
Can I Be Reimbursed for My PIP Deductible?
Simply being exposed to asbestos does not qualify you to file a lawsuit. You need a diagnosis of an asbestos-related illness, such as mesothelioma or lung cancer, before you can seek compensation. Until a disease develops, you are typically ineligible to file a claim.
How to Be Proactive About Your Health After Asbestos Exposure
Typically, you will not be reimbursed for your PIP deductible, as this insurance covers your injuries regardless of fault. However, if another party is at fault, their insurance may be liable for your losses, and you could potentially recover the deductible.
What to Do If Your Damages Exceed Your Coverage
Filing a Claim with the Other Party’s Insurance
If your no-fault insurance doesn’t cover all your damages, Minnesota law allows you to file a claim with the at-fault party’s liability insurance. Being partially at fault for the accident doesn’t automatically disqualify you from compensation. Under Minnesota’s comparative negligence law, you can recover damages as long as your fault is less than the other party’s.
Example of Comparative Negligence
If your total damages are $100,000 and you are found to be 30% at fault, you can still recover 70% of the total, or $70,000.
How to Document Your Damages to Maximize Compensation
To receive compensation for your damages, you must prove your losses. Gather the following documentation to support your claim:
- Medical records and bills
- Pay stubs and tax returns
- Mileage and transportation receipts
- Receipts for housekeeping and personal care services
Steps to Take Following a Car Accident to Protect Your Claim
The actions you take immediately after a car accident can greatly impact the success of your claim. To protect your case, follow these steps:
- Seek medical attention for any injuries, even minor ones.
- Follow doctor’s recommendations to avoid issues with your medical treatment.
- Document your memories of the accident as soon as possible.
- Gather evidence: Take pictures, collect witness contact info, and obtain video footage if possible.
- Contact a lawyer to protect your legal rights.
Avoid Making These Mistakes
Don’t admit fault at the scene or accept an early settlement from insurance without consulting your attorney.
How Our Car Accident Attorneys Can Help
If you’ve been blamed for a car accident, our award-winning team can help. Even if you’re at fault, our attorneys will investigate the cause of the accident and fight for the compensation you deserve.
Our law firm combines the resources of a large firm with the personalized service of a local team. We operate on a no-win, no-fee basis, meaning you only pay if we win your case.
Free Consultation
Call us at (651) 437-3148 or contact us online to schedule your free consultation.
