What You Don't Know About No-Fault Insurance Now Can Hurt You Later

 

Whether you are a pedestrian or bicyclist struck by a car, a passenger in someone else's car or driving yourself, your car insurance policy can be your savior. Minnesota law states that all licensed vehicles must carry insurance. Part of the required insurance coverage is called Personal Injury Protection, or no-fault coverage. This is coverage that pays medical bills, wage loss and replacement services for you if you are insured in any type of auto-related accident.

Many people aren't aware that this coverage is available to assist them. Even though you are not driving your car, your own policy coverage will extend to you when you are injured. The coverage also extends to protect members of your household that may not even drive.

What is No-Fault Insurance?

No-fault refers to the 1974 statute regulating the insurance you must have to operate a motor vehicle in Minnesota. It allows those involved in an accident – regardless of who caused it – to quickly recover costs for medical bills, lost wages and other economic losses. Before no-fault, people waited months, even years, for payment of benefits. No fault insurance also is referred to as personal injury protection (PIP). Minnesota requires that a minimum PIP coverage of $20,000 for medical care and $20,000 for wage loss/replacement services be available to every person involved in an accident.

Sometimes insurance companies will dispute paying no-fault benefits. If this happens, you may need to pursue an arbitration against the insurance company (usually your own) to clarify the obligations of each party.

When can I pursue a claim against the at-fault driver?

Every insured driver is entitled to no-fault benefits in Minnesota when they are involved in an accident. Depending on the circumstances of your accident, you may also be eligible to pursue a liability personal injury claim against the insurance company of the person responsible or at fault for the accident. This happens when damages include one of the following:

  • Permanent injury or disfigurement;
  • More than $4,000 in medical expenses, services or products (not including diagnostics like x-rays or MRIs);
  • Disability lasting for more than 60 days; and
  • Death

If the at-fault person is uninsured, the lawsuit or claim may need to be filed against the uninsured motorist coverage on your own policy.

What does your auto policy cover?

In the event of an accident, a standard Minnesota policy will pay medical bills, some wage loss and other benefits as follows:

Liability Coverage - protects your assets if you are found at fault in an auto accident. Minnesota minimums: $30,000 per covered person, $60,000 per accident in liability coverage.

Personal Injury Protection (PIP) - provides for immediate medical care and at least partial wage-loss reimbursement without waiting for the outcome of a lawsuit. Minnesota minimums: $20,000 for medical care, $20,000 wage loss per covered person.

Uninsured/Underinsured Motorist - provides compensation for your injuries when caused by another driver who has inadequate or no insurance. Minimums: $25,000 per covered person, $50,000 per accident.

No-fault will pay for ...

Medical expenses including:
Medical 
Chiropractic
Surgery 
Rehab Services
Hospital 
Extended Care
X-Rays 
Nursing Services
Optical 
Prescriptions
Dental 
Ambulance
Mileage To/From Treatment

Wage loss including:
- Eighty-five percent of an injured person's gross income up to a maximum of $500 per week
- Cost of a substitute employee to cover work of self-employed person
- Cost of covering household chores performed by an injured homemaker
*Note: a treating physician must verify that you can't work because of accident injuries. 

7 steps to applying for no-fault benefits

  1. Report the accident to your insurance company immediately and get your assigned claim number.
  2. Ask for a No-Fault Benefits Application.
  3. For medical expenses: give all your accident-related health care providers your No-Fault insurance information.
  4. Ask your health care providers to send all bills directly to your insurance company.
  5. For wage loss benefits, your physician must verify how long it will be medically necessary for you to miss work. A disability slip or work release must be sent to your No-Fault claims adjuster.
  6. Submit request for reimbursements of mileage and prescriptions to your No- Fault claim adjuster. Keep a copy of everything, including receipts.
  7. Payments of No-Fault benefits generally must be made within 30 days from the date the insurance company receives proof of the loss or expense.

Reminder: A No-Fault claim is separate and apart from any liability claim you may have under Minnesota law against other drivers involved in your collision.

Contact Our Attorneys for Help

If you or a loved one has been injured in a car, truck, motorcycle, or drunk driver accident, you deserve expert legal representation. The lawyers of SiebenCarey are experienced attorneys. Contact our personal injury law firm today to speak with one of our knowledgeable lawyers about your case.

Start your free case evaluation now

Client Reviews

out of 54 reviews
Chris and Amy Boys

We worked with Art and his team on a personal injury case. We could not have been more pleased with the result. Art and his team were both professional and personable, and were a pleasure to work with. I would highly recommend Art and his team if you find yourself in this type of situation.

Daunne Schaller

I was seriously injured in a car accident on my wedding night and went to SiebenCarey. Being involved in an accident is never fun. The folks at SiebenCarey got us thru the event helping us get on with our lives. They were up front and honest. We knew we could trust them. It’s clear to me why Art has been recognized as a Best Lawyer in America and Super Lawyer for 12 years running. Now anytime I know someone who was involved in an accident I refer them to SiebenCarey.

Jesse Bukal

In need of a personal injury attorney? Well you're if you're reading this you're in the right place. You'd be hard pressed to find more competent attorneys than the ones here at SiebenCarey.

Tony Rubin took my case to trial and an amazing job presenting the facts and fighting for my best interests! Three years ago I was unsure of what my future would bring; now that it's over I can rest a bit easier. With Tony Rubin as my counsel, I believe I had the absolute BEST representation a person could've asked for. I knew that I wanted the absolute best representation when searching for an attorney to handle my case and I most definitely received it.

If you need a personal injury attorney, look no further. Can't recommend highly enough.

Deb Colombe

I was involved in a car accident that was complicated at best. God blessed with me Eric Beyer as my attorney. Although it was a long drawn out process between the two insurance companies, Eric was not only my attorney, he was my rock.

Eric is one of the most ethical people I have ever met in my lifetime. He was a constant source of not only information, but of comfort throughout the whole process. I never doubted for one moment that Eric did not have my best interest at heart. He took every word I said seriously and did what he had to do. If I ever have the misfortune of another injury like this, I would go to no one other than Eric Beyer. I will never in my lifetime be able to thank Eric enough or let him know how much I respect him and what a comfort he was and has continued to be for me. God Bless you Eric Beyer.

Jeanne Tondryk

Eric W. Beyer helped me through a very difficult time and his professionalism, advice and results from an injury were highly respected. Amidst the personal part of getting myself back to health, his guidance when life was blurry was so appreciated. He listened and then put forth my options honestly and directly which I totally appreciated!

 was totally satisfied with his hard work and dedication to help me. I'd highly recommend him. Thank you Eric!

Jim Walsh
I had a very positive experience with Paul Downes. He took the time to explain the process, each step of the way, and what we could expect. No surprises. A pleasant experience.
Eric Petoletti
Even though I was states away and could only talk on the phone, they listened and did everything that they could to win my case. I felt like I was a part of the family.
Darren Ness
Very professional and courteous staff with a drive to make you comfortable in every aspect of their service.
Jim Becker
it was a good experience, it took a long time to settle but good to have an experienced attorney in my corner.
James Beadell
Jeff Sieben was very good at communicating with me whether it was email or phone calls.
Phil Manger
Awesome lawyers, awesome staff!!
James Graff

Art and the staff were wonderful to work with. They kept us informed with the case and would highly recommend Art and staff.

Joshua Rickert

Art and his Lakeville team have been a tremendous legal resource for our patients injured in motor vehicle accidents. Getting into an accident is terribly inconvenient; it can be very scary and overwhelming.. insurance companies, vehicle damage, loss wages, replacement services, medical bills and the list goes on .. sometimes the situation warrants a strong legal counsel to help navigate through that process.. Art can give you the peace of mind you need and deserve. They will work hard to make sure all bases are covered, all needs are met and will go the extra mile to make sure you are are treated fairly at the end of the day! Highly recommend.

Natalie Kromschroeder

We were very blessed have their guidance for our case. Paul Schweiger and Lindsey are the best! We would absolutely use them again if needed.

Melissa Snorek
Art and his team did a fantastic job for me. I had no idea what to expect but he made the process simple and worry free for me and got me a great settlement in way less time than I ever could have anticipated. Thank you Art!
Ashlyn Wall

They were able to work with me while I was away for school and much appreciated the help. I would highly recommend them!

Sharon Jensen
Jim Carey and his staff were great. Returned calls promptly and answered any and all questions in layman's terms for me. Exceeded my expectations. I've already told family and friends that if any of them should need personal injury representation to contact SiebenCarey. I wouldn't hesitate to contact them again if necessary.
Matthew Newman

As a disability lawyer, I have opportunities to work with and recommend Personal Injury Firms, and SiebenCarey (and Art in particular) is one of the firms and lawyers I have at the top of my referral list. My ex-wife was injured in an auto accident, and I sent her to Art, who did his usual excellent and professional job in helping her recover what she was owed. I've also had occasion to work on a large, complex case with Art that spilled over into my specialty. We produced an outstanding result for our client. I was particularly impressed by the fact that he and his firm never hesitated to bring in and pay for outside expert resources that maximized our chances to win the case. Not every firm has the mindset or wherewithal to do that.

Carly R.

My boyfriend was hit by a car and while all the attorneys he talked to said he didn't have much chance of a case, SiebenCarey took him on and gave him a fighting chance. He's still recovering, but SiebenCarey is making it a lot easier.

William Borchardt

I've worked with Art on more than one occasion. One time for premise case and a second time for a car accident. The results were outstanding. Art and his staff are very friendly and made the whole process extremely easy. If you are ever injured I highly recommend you give Art a call at the Lakeville SiebenCarey office. You won't be disappointed.

Robert Pettit

Art and his staff helped me after I was involved in a bad car crash. I can't believe what an unbelievable job they did. First, they were always available when I needed them. I could call any time and they honestly kept me from getting anxiety attacks. When they told me the details of my settlement, I thought they were kidding. It was so beyond what I imagined possible. Based on my experience I would recommend Art and the SiebenCarey firm to anyone who has the misfortune of getting in an accident. They are the best!

Erika Beimert

I have been working with Art and his staff since 2013 when I was run over by a drunk driver. Everyone from Beverly who runs his front office and stays in constant contact with me just as much as he does to Lynn, another lawyer in the office who does just as much research on every case as Art does and fights along side to get the fairest settlements possible for the victims. The one thing that struck me from the beginning was that Art's firm was the only firm who sent his investigator to me. His investigator was amazing; kind, thorough and compassionate. Every time I wanted to give in and just "be done" with it all because I was just so tired of fighting, Art and his amazing team kept going; knowing and feeling the same frustration I was feeling. They are both professional and empathetic to their clients and made me feel as if I was the only client they had.;even though I knew they are very busy. I would highly recommend them to anyone in need of a personal injury law firm.

Lora O'Hern
Mr. Carey and his staff were so professional  and helpful dealing with our accident. Their communication was excellent. Working with the SiebenCarey team was the only bright spot in our horrible accident experience. We always felt we were represented by extremely knowledgeable and caring people. We appreciate the outstanding service we received.
 
Martin Leet
Shannon Carey effectively managed the litigation. It is evident that she is experienced, knowledgeable, and skilled in personal injury cases. She communicates in an understandable manner, and she listens to her client's ideas and concerns. I trusted her to successfully litigate this case, and she did so with exceptional care. She remained focused throughout the long process, never wavering from the objective. She is an exceptional attorney. I highly recommend her!
Morgan Petoletti
My husband had an amazing experience with this firm. They listened and took the time to understand our case.
Lisa Gariepy

The entire Minneapolis team that worked with me was amazing.  Always proactive in sharing what to expect and taking time to explain things.  In a stressful, unfamiliar informed and supported. Wonderful group!

Cheryl Nelson
Jim Carey is down-to-earth, understanding, compassionate, extremely focused and downright brilliant in his skillful and highly successful resolution to my serious injuries resulting from a car accident. I can't say enough about how grateful I am and how pleased I am with his representation and the service from his entire team. Thank you.
Bill Wendlandt

Art uncomplicated the entire process. It was a real eye-opener. The outcome was a great success.

Brenda Moore-Hernandez

Last year my daughter was killed in a car accident. She was a single mother taking care of two young children. I hired Art at the SiebenCarey Lakeville office. It was the best thing I ever did. Art has helped me through what has been the most difficult time in my life. Art and his staff have treated me more like a friend than a client. I would strongly encourage you to call Art at SiebenCarey Lakeville if you are ever so unfortunate as to need an attorney.

Bryce Rippentrop

All around great experience working with Art and his team, couldn't have asked for a better outcome!

Jazz Smith

SiebenCarey is a professional and dedicated law organization that help accident victim.

Kelli Bechtel

Finding a great personal injury attorney can make all the difference in the world on how your case turns out. I’ve known Art and his staff for years having had the opportunity to see what they can do. If something unfortunate happens and you want results, answers and the ability to feel comfortable with your representation, give them a call. I’m so glad I’ve had a chance to get to know them.

Ryan Betzina

I have known Mr. Kosieradzki for several years and every patient who has ever consulted him for legal services has given him rave reviews. His level of communication with me and my patients is outstanding. For anyone needing legal advice on a personal injury matter we highly recommend him and his team!

Alyssa Mark

If you want a caring and skilled lawyer with integrity I highly recommend Art Kosieradzki. The thing that immediately struck me was that he seemed to genuinely care about me and my situation. I felt comfortable right away. He and his staff are great to work with; they are highly competent and knowledgeable. He helped me and my family greatly, and I can't thank him enough!

Cynthia Vermeulen

I have worked on cases with Sue Holden of Sieben Carey for over 20 years. As a trial attorney, I feel confident referring my clients with personal injury issues to Sue, as I know she and her team take the time to listen to their clients, explore and explain their options, monitor their recovery with compassion and persistently advocate for them in negotiations and in court. Sue has the utmost credibility in the legal community and an ability to resolve complex problems. She is highly respected by the courts as well as attorneys for her competence and steadfast dedication to helping injured people. I recommend working with Sue Holden and her team without reservation.

Troy Rognrud

In June of 2013 I was enjoying a ride on my vintage motorcycle, and was severely injured by an inattentive motorist, sending me to the hospital, physical therapy, and amassing a considerable amount of debt.

Fortunately I made contact with Robert Hauer, and Paul Downes with SiebenCarey!
Paul walked me through the entire process, explaining in layman's terms as to what to expect, and he continued to keep me informed as each step was reached.

Ultimately we used mediation to reach a settlement that allowed me to pay off my outstanding bills, and to bank an amount that gave me some peace of mind.
If by some unfortunate incident you ever have need for the services of a personal injury attorney, I highly recommend SiebenCarey... Thanks Paul!

Roberta Jordan

My family was referred to Susan Holden at SiebenCarey by our hometown attorney in a wrongful death case.  She was very accommodating to us and very approachable. Staff was top notch and doggedly pursued two different insurance companies to accomplish an outcome far beyond anything we'd anticipated. We could not have gotten results close to what she achieved without her. We will be forever appreciative. 

Sean Tyson

Had a great response and was very pleasant. The whole process was simple and easy and had more than I thought.

Sheryl Nixon

Jeff Sieben was the first one I talked to about my injury. I was not sure if there was even a case. But as the months went by and my pain got worse, the seriousness of the injury became apparent. Jeff took on the case and put me at ease about the medical bills and calls. He was professional in his attitude while being compassionate to my situation. I have recommended him to others and will continue to do so. 

Susan McIntosh

Art and his staff are extremely professional and easy to work with. Having a local attorney is very convenient. It is clear these folks have been doing this a long time. I highly recommend this firm!

Thai Vuong

I had the opportunity to work with Art and his staff. They were fabulous and I would definitely recommend them to family and friends. They helped me through my claim getting a result beyond my expectations.

Scott Reeve

The Lakeville SiebenCarey office has been great to work with. They listen and they care about their clients. I have very much enjoyed getting to know the folks in Lakeville, and would highly recommend any of the SiebenCarey Personal Injury Attorneys.

Art Kosieradzki from the Lakeville office cares about each of his clients and is an excellent attorney.

Sarah Peterson

It was a great experience working with Jim and his entire team! Always felt well taken care of and someone was always there to answer my many questions! Thanks!

Align Chiropractic

Art and his team at SiebenCarey in Lakeville are top notch. Professionally, they are very easy to work with. I know first hand that their clients are taken care of. If you have been in an Auto Accident, or have experienced any type of injury. Art and his team at SiebenCarey are where you need to go.

Steve Miller

I've know Art Kosieradzki and the folks at SiebenCarey for nearly 30 years. When my mother-in-law needed an attorney after a roll-over accident, I sent her to SiebenCarey. They were compassionate and professional. I'd recommend them to anyone who wants a personal injury lawyer they can trust.

Steve Erwin

I have referred several personal injury and wrongful death cases to Susan Holden for handling. Susan has been very professional in her approach to these cases and has obtained settlements on behalf of the clients. She also is very courteous, knowledgeable, and has a great "bedside manner" in dealing with her clients. Several clients have thanked me for referring their cases to Susan.

Scott Wilson

I've worked with Art Kosieradzki as co-counsel in a number of major personal injury and coverage cases, and I know his abilities. He is a top-flight trial lawyer and he has the results to prove it. At least two of his attributes may not be immediately apparent, however: First, he's creative and has achieved large recoveries where a lesser lawyer might have given up. Second, he cares and he has time for people. The latter is a precious quality in our hard-driven profession. Add to that an excellent and personable staff and the backing of the powerhouse SiebenCarey law firm, and what you have in Art is simply this: the right lawyer.

Daniel Ball
Really good professionals, they solved my issues in no time using the most impressive and advanced approach. Really good, highly recommended
St. Paul Local 12
Thanks for everything, your experience paid off BIG!!!
Annalise Backstrom

I worked for Art at SiebenCarey for a few years while I was in college and it was a great experience. Art is always friendly and treats everyone with respect, including his clients. He is extremely intelligent and a fantastic attorney. I can confidently say that Art and his staff go above and beyond for their clients and work incredibly hard on all of their cases. They are passionate, trustworthy, and dedicated. If you're looking for representation in a personal injury matter, go see Art Kosieradzki with SiebenCarey - I guarantee that you will not be disappointed!

Jenna L. at Insider Pages
I have had nothing but great service with these guys. They are very knowledgable on a wide variety of subjects and topic. They will help you with any case you need!
Robin Wilson

Attorney Kosieradzki is a man of intelligence, experience and integrity. I would whole-heartedly recommend his services to anyone.

Bob Levin
I was very pleased with John and the services he provided. I would highly recommend him.
Tanya Miller

I have been working with Art for many years now, and have always been impressed by the care he gives his clients. Art and his staff are compassionate, dedicated people that I would trust with any personal injury crisis.

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