Minnesota No-Fault Law
We get a lot of questions about Minnesota no-fault law (Minnesota Statutes, Sections 65B.41 to 65B.71).
What does my insurance company have to pay?
Under Minnesota no-fault law, a driver involved in a motor vehicle accident has a right to payments from his or her insurance company for basic economic loss, including the following:
- Medical expenses
- Income loss
- Replacement services loss
If the driver dies in the accident, his or her family can make a claim against the decedent’s insurance company for the following:
- Funeral expenses
- Survivor’s economic loss
- Survivor’s replacement services loss.
How much money will I get from my insurance company?
According to the Minnesota no-fault laws, 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). This is minimum coverage. You may have paid for additional coverage. If you have been in an accident and would like an attorney at our office to represent you, we will review your coverage amounts and make sure your insurance company pays all amounts required under the Minnesota no-fault law and your contract with your insurance company.
Do I get any money from another driver’s insurance company or another party?
Although Minnesota no-fault law does not provide for payments for pain and suffering, disfigurement, and emotional distress, you may have a claim against the driver of the other vehicle or another party.
Possible liable parties:
- Drivers of the vehicles involved in the accident
- Owners of the vehicles involved in the accident
- Dram shops (places where liquor is sold)
- Manufacturers and others associated with the manufacture and sale of the vehicles involved in the accident
- If there was a hazard in the road that caused the accident, the parties responsible for the hazard
To discuss your Minnesota auto accident case with a Minnesota car accident lawyer at PritzkerOlsen, please call toll-free at 1-888-377-8900 or submit the firm’s online free case consultation form.
