Each state has their own laws governing how automobile insurance claims are settled. Minnesota is classified as a “No Fault” state, but what exactly does that mean for your injury settlement? Below, we take a look at how auto injury claims are handled in Minnesota.
Minnesota No Fault Car Accidents
No fault automobile coverage means that you are entitled to no fault injury benefits regardless of your role in the car accident. Regardless of whether you were 100 percent at fault for texting while driving and hitting a stop sign, completely innocent because someone slammed into your bumper at a red light, or your fault falls somewhere in between, you are still entitled to no fault benefits.
Every driver must have automobile insurance for their vehicle, and every automobile insurance policy is required to include compulsory no fault insurance. So as long as you have valid vehicle insurance, you can seek out no fault benefits after an accident.
Now, we know what you’re thinking. What happens if the person who hit me doesn’t have automobile insurance? While that does complicate other areas of your injury claim, it will not affect the benefits you receive through no fault insurance because these claims are actually paid by your insurance company, so as long as you are insured, you’re in the clear. If you and your wife are riding in the car with your in-laws and they get in an accident, it’s your insurance company that will pay your no fault benefits.
How Much Does No Fault Insurance Pay?
Under Minnesota law, no fault automobile insurance coverage will pay for up to $20,000 of your medical bills and up to $20,000 of your lost wages. You can seek additional compensation if your medical bills or wage loss exceeds these maximums, but other factors will come into play at this point, like what coverage you have, who is at fault, etc. Wage loss benefits through no fault insurance are paid at either $500 per week or 85% of your weekly income, whichever is less, up to $20,000 or until you’ve recovered enough to go back to work.
No fault insurance can certainly cover the cost of your injury in the event of an accident, but that doesn’t mean it’s an easy process. Oftentimes the insurance company will require extensive proof of your injuries and may try to give you a low offer. That’s where Hey Workers comes in. We’ll be able to maximize the sum you receive by ensuring all your injuries are properly detailed and every last coverable expense is itemized. For example, you can be reimbursed through no fault insurance for things like mileage to and from your doctor appointments, re-training costs, therapy and rehab costs, assistive device costs (crutches, braces, etc.) and other costs that you incurred due to your accident.
Let us help you maximize your claim, and if the other driver was at fault, we can help you with the process of filing a separate injury claim. Our goal is to help you get what you rightfully deserve, but it’s not easy if you try to do everything on your own. Trust your health and your compensation claim to Hey Workers.
