Free Consultation. No Fees Until You Collect. Call 24 Hours a Day 1-800-4-RIGHTS
Minnesota Offices

Serving all of Minnesota
Call 1-800-4-RIGHTS

If you’re recovering, we’ll come to you. Or we’ll set up a meeting at one of our convenient office locations:

See all results for ‘
Enter 3 or more characters for full site search

The Ins and Outs of No-fault Insurance Law

 

Minnesota is one of a handful of states that requires no-fault insurance. As part of the Minnesota No-Fault Automobile Act, Minnesota residents and non-residents need to maintain basic automobile liability coverage or Personal Injury Protection (PIP) on vehicles they own provided the vehicle is registered in or primarily garaged in Minnesota. Visitors or non-residents to the state are required to have PIP while driving within the borders of the state.

What is no-fault insurance?

“No-fault” is the Personal Injury Protection (PIP) on a car insurance policy and it is referred to as Basic Economic Loss Benefits. If a person with PIP gets injured in an accident, a portion of their policy pays them, or members of their household, for medical expenses, lost wages, etc. within the stated policy limits. No matter who is at fault, these costs are paid for by PIP.

The coverage only applies to expenses resulting from injuries sustained in an accident. It does not mean the policy will cover all losses in an accident. If costs prove to be higher than the PIP limit on a person’s policy, a person can file a claim with the other driver’s liability coverage. Claims are only possible if the other driver is at fault.

If you need advice on the next steps after a car accident, SiebenCarey is here to help. Our team of lawyers have handled thousands of car accident claims and will make sure you’re compensated fairly, according to the law. Contact us today.

Is there a minimum no-fault coverage?

The minimum no-fault coverage in Minnesota is $40,000. That amount is available to each person injured in an accident. $20,000 goes towards medical expenses, and $20,000 can be for non-medical expenses, such as replacement services. Anyone can purchase coverage beyond these minimum amounts.

Minnesota also requires all licensed vehicles to have:

  • Liability coverage, which must cover at minimum $30,000 for injuries per person and  $60,000 per accident and $10,000 for physical damage to the other driver’s vehicle or damage to property
  • Uninsured coverage, which must cover at minimum $25,000 for injuries per person and $50,000 per accident
  • Underinsured coverage, which must cover at minimum $25,000 for injuries per person and $50,000 per accident


If Minnesotans have a loan on their vehicle, the lienholder, as the legal owner of the car, will require both comprehensive and collision coverage. If Minnesotans choose not to purchase this coverage themselves, the lienholder can buy it on their behalf and charge them for the premium. This is called “forced insurance,” and it can be costly. Forced insurance is legal, and it does not include the required coverages listed above.

 

What expenses no-fault insurance covers

No-fault insurance covers various medical and wage loss expenses. These include:

  • Ambulance fees
  • Medical services and nursing
  • Chiropractic appointments
  • Surgery and rehab services
  • Hospitals and extended care
  • X-rays
  • Optical and dental
  • Prescriptions
  • Mileage to and from treatments
  • 85% of an injured person’s gross income (a maximum of $500/week)
  • The cost of a substitute employee to cover the work of a self-employed person
  • The cost of covering the chores of an injured homemaker

Note that, when it comes to covering the cost of lost work, a physician will have to verify that a person is unable to work due to the injuries they suffered during their accident.

 

When am I covered under no-fault insurance?

Minnesotans are covered under no-fault insurance when they are “in use of a motor vehicle." While most cases involve the use of the car while driving, there have been extenuating circumstances when a person near their vehicle is also covered.

For example, in Barry v. Illinois Farmers Ins. Group, a woman was able to claim her no-fault insurance in a slip and fall accident after she pulled her car out of her garage and left it running while she went to close the garage door. She was covered because when she slipped on ice near her car, she was within arm’s length of her (still running) vehicle, and the courts considered her “in use” of her motor vehicle.

How to claim no-fault insurance

It’s important to be aware that no-fault does not apply in accidents in which a person is riding their motorcycle or snowmobile, and separate insurance policies are required for these types of vehicles.

Typically, a claim of no-fault insurance involves seven steps:

  1. Report the accident to the insurance company (and get a claim number)
  2. Ask for a No-Fault Benefits Application
  3. If someone is claiming medical expenses, they need to give all accident-related care providers their insurance information
  4. Ask all health care providers to send their bills directly to the insurance company
  5. If someone is claiming wage-loss benefits, they need to ask their physician to verify how long it will be medically necessary for them to miss work. A disability slip or work release form will need to be sent to the claim adjuster
  6. Submit requests for reimbursements (for mileage and prescriptions) to claim adjusters. Be sure to keep copies of everything, including receipts
  7. Payments should be received within 30 days from the date the insurance company receives proof of the loss or expense

No-fault claims must be made within six months of your accident. To file a claim, a person will have to provide proof of expenses with their application and submit to a medical examination if requested. Bills should always be submitted to the insurance company as they arise.

Can I pursue a claim against a no-fault driver?

In Minnesota, every insured driver is entitled to no-fault benefits when they are involved in an accident. Depending on the circumstances of the accident, drivers may also be eligible to pursue a liability personal injury claim against the insurance company of the person responsible for the accident.

This happens when damages include:

  • Death
  • Disability lasting 60+ days
  • Permanent injury or disfigurement
  • $4,000+ in medical expenses, services or products (excluding diagnostics such as MRIs or x-rays)

If the at-fault party is uninsured or under-insured, the claim may need to be filed against the uninsured or under-insured motorist coverage on an individual’s own coverage.

If you’ve been injured in a car accident, you may be entitled to compensation. While another party’s car insurance may cover some accident-related items, it may not be enough to cover your medical expenses or loss of work income. If you need advice on the next steps after a car accident, SiebenCarey is here to help. Our team of lawyers have handled thousands of car accident claims and will make sure you’re compensated fairly, according to the law. Contact us today.

Related Posts

Client Reviews

out of 182 reviews
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.

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.

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.

They 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 SiebenCarey 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.

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.

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!

Andrea Long

I reached out to SiebenCarey after a partial amputation of my foot following an accident. Art took on my case and without question it was the best decision I ever made. He and his staff did an amazing job and were extremely helpful. I felt like I not only gained an attorney to work on my case, but also a friend & family within those I spoke & dealt with in the office. Going through the legal process can be an agonizing and slow process, especially in the age of COVID. In the end Art presented all the facts and helped me make an informed decision. Understanding I had to decide whether to settle or go to trial, I ultimately chose to settle and couldn’t be more pleased. If I could give Art 20 stars I would.

Rich Huth

Eric Beyer is the best!!! Definitely above a five star rating.

Heather Beal

When someone asks me to refer them to a personal injury lawyer, I immediately give them Jim Carey’s name and contact information at SiebenCarey in Minneapolis. Jim is more than a top-rated, expert personal injury attorney, he is an empathetic and compassionate listener. He sees people, not simply case files. He has represented my friends well by sincerely caring about the immediate and lasting effects that injuries from car accidents, negligence or other circumstances have had on their lives.

Sean Beggs

I was referred to SiebenCarey by a friend after I was involved in a bicycle accident. Jim Carey represented me and throughout the process I was never anxious about the case because he and his team were in constant communication. I knew where we stood and the course of action we were taking which gave me peace of mind throughout my recovery. Everyone I encountered at SiebenCarey from the first phone call until the final resolution treated my case as if it were top priority and they did so respectfully, professionally, and achieved results beyond my expectations. It was a pleasurable experience during a difficult time.

Jody Draper

I have had very long trying Workman's Compensation injury case and Eric Beyer and his assistant Rita Cerny have been totally amazing!! Always so informative and helpful!!

I strongly recommend using Eric as your advocate and personal lawyer!! You will not be disappointed!! Thank you Eric and Rita!! I could not of done this without you!!!

Award Winning Know Your Rights Attorneys

Certified Civil Trial Law Specialists

8 Certified Civil Trial Law Specialists, Minnesota Bar Association
3 Board Certified Trial Advocates, National Board of Trial Advocacy.

2021 Super Lawyers

Also awarded in:
2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009, 2008

2022 Best Lawyers in America©

Also awarded in:
2021, 2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009, 2008.

2022 U.S. News Best Law Firms

Also awarded in:
2021, 2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010

Attorneys of the Year

5 of our attorneys have been recognized as Attorneys of the Year

FREE DOWNLOAD

50%

To help us recommend the best resources for you, please indicate the relevant accident type below:

Step 1 of 2: Case

Please select an answer before proceeding

Please enter your email address below so we can send your download link right away.

Step 2 of 2: Download

Please enter your valid email address so we can send your download link and special printing instructions.

Secure form. Your information is confidential with us.

FREE ILLUSTRATED GUIDE

50%

To help us customize our resources for you, please indicate the relevant accident type below:

Step 1 of 2: Accident Type

Please select an answer before proceeding

Please enter your email address below so we can send your download link right away.

Step 2 of 2: Download

Please enter your valid email address so we can send your download link and special printing instructions.

Secure form. Your information is confidential with us.

FREE DOWNLOAD!

50%
The Minnesota No-Fault Fact Sheet is a valuable resource for all Minnesotans

Have you been in a recent accident, if so, which type?

Please select an answer before proceeding

Please enter your email address below so we can send your download link right away.

Please enter your valid email address so we can send your download link and special printing instructions.

Secure form. Your information is confidential with us.

Had an Accident or Injury?
WE CAN HELP!

  • No risk or obligation. We only collect fees if you win.
  • Free review of your options and potential for success.
  • Trusted by more than 65,000 people just like you since 1952.

Call us 24/7 at 1-800-4-RIGHTS(744487)

Or complete the form

Secure form. Your information is confidential with us.
Please enter the required information above

Would you recommend us?

We are interested in hearing about your experience with SiebenCarey Personal Injury Law.

Would you mind leaving a review? If so, please take a moment to tell us about your experience and also mention the attorney you worked with. Your feedback helps us to improve our services to you and all clients.

Step 1 of 2:

Contact Us

We strive to provide top quality legal and customer service. We're sorry that we didn't meet our own expectations for you - How can we do better?

Please enter the required information above