Understanding How No-Fault Insurance Works

Minnesota law requires drivers to carry no-fault insurance. This coverage — also called which is Personal Injury Protection (PIP) — is available regardless of who was at fault in the accident. However, pursuing coverage can be complicated, as there are numerous pitfalls to watch out for.

For this reason, it's wise to seek experienced legal counsel after a car accident. Turn to Milavetz, Gallop & Milavetz, P.A., for guidance on all aspects of your case. Our lawyers understand no-fault insurance issues, and we can help you maximize your benefits.

What Is No-Fault Insurance?

In some states, fault plays a big role in car accident cases, since the at-fault driver's insurance is responsible for payouts. In Minnesota, however, each driver's own insurance provides coverage for:

  • Medical expenses associated with the injury
  • Lost wages

You can pursue this coverage without having to wait for a lawsuit.

The Limits Of No-Fault Benefits

Importantly, this coverage does not provide compensation for property damage or pain and suffering. Your policy limits also impact the amount you can receive under no-fault coverage. In Minnesota, the minimum coverage is $40,000 per accident — $20,000 for medical expenses and $20,000 for lost wages. Some people carry greater coverage.

In serious accident cases, your expenses can quickly exceed those limits. You may still have to pursue compensation through the at-fault driver's insurance. Depending on the circumstances, you may also have claims against third parties, such as a truck driver's employer or auto manufacturer.

How Do You Pursue A Claim?

You should start by notifying your insurance company as soon as possible after the accident. As with all insurance claims, you may have to deal with significant paperwork to get the ball rolling and follow through on your coverage. You may have to submit documents such as:

  • Any police reports filed on the accident
  • Medical records
  • Mileage statements (for transportation to and from appointments)
  • Income loss statements

Take care not to provide a recorded statement without first consulting an attorney. Similarly, you should never accept a settlement without seeking legal guidance. Doing either could jeopardize your right to full and fair compensation.

How We Can Help

Dealing with insurance issues is rarely an easy process. You're already going through a stressful and overwhelming time as you deal with the physical and emotional trauma of your injury. That's why you should leave the legal issues to us.

Our attorneys have 50-plus years of experience in personal injury law, as well as an in-depth understanding of insurance issues. We will make sure that all documentation is properly prepared and submitted in a timely manner, ensuring that you get the compensation that you need as quickly as possible. Working with us, you can feel confident that your case is in good hands.

Contact Us To Learn More | Free Consultation

Call our office at 612-444-5604 or reach out online to set up a free, no-obligation consultation appointment. We represent accident victims throughout Minnesota, and we have several offices located in the Minneapolis metropolitan area (including Brooklyn Center, Coon Rapids, Edina and Saint Paul).