Question
I've heard that MN is a 'no fault' state when it comes to insurance claims.
What's that mean?
Answer
Here ya' go Hoss, There are 12 NoFault States.
Answer
In a nutshell it means that the first X amount of wage loss and medical will be paid by your own automobile insurer. You cannot sue the other driver unless you have exceeded the no fault threshhold amounts, to wit: your medical expenses or wage loss has exceeded the threshhold amounts.
No fault does not apply to commercial vehicles.
NOTHING IN THIS POST SHALL BE CONSTRUED AS CREATING AN ATTORNEY CLIENT RELATIONSHIP.
Answer
In Minnesota No-Fault Insurance pays for medical and chiropractic bills, lost wages and some other out-of-pocket losses irrespective of who causes the crash. Under Minnesota Law a no-fault insurer must provide the following coverage at a minimum for the covered driver:
Medical Expenses: $20,000 per person for medical expenses and mileage to and from the treatment locale;
Work Loss: $20,000 per person,
You generally you collect no-fault benefits from your insurance carrier.
You make a claim against the driver of the other vehicle (or his insurer) for benefits other than those covered by no-fault insurance for such damages as pain and personal suffering, disability, disfigurement, and emotional distress only if you can show one of the following circumstance:
A. Permanent injury;
B. More than $4,000 in medical bills;
C. Disability for more than 60 days;
D. Death;
E. Permanent disfigurement.
This is a general overview of the Minnesota No-Fault Law only. If you have questions about an individual case, you should contact an attorney.
NOTHING IN THIS POST SHALL BE CONSTRUED AS CREATING AN ATTORNEY-CLIENT RELATIONSHIP.