Minneapolis has become an up-and-coming winter tourist destination – thanks, in part, to Super Bowl LII. If you were in town to support your team or participate in the festivities, you may have encountered firsthand the challenges of driving downtown. In fact, traffic across the metro can be difficult on an average day, much less an extravaganza-packed week with thousands of vehicles flooding the freeways.
So what if you got into an accident while visiting Minnesota from out of state? Whether a fender-bender or catastrophic collision, auto accidents are incredibly stressful – all the more so when they happen away from home. Here’s what you should know when dealing with an out-of-state accident.
Navigating insurance issues
Your insurance policy follows you across the country. However, the details of how exactly it applies in out-of-state contexts depend on your policy. For example, if your coverage limits are lower than the minimums required in Minnesota, your policy may increase to meet those limits. Likewise, if you live in a state that isn’t no-fault, your policy may extend personal injury protection coverage since Minnesota is a no-fault state.
These issues become even more complicated if you were driving a rental car. Again, much depends on the terms of your policy as well as whether you purchased supplemental coverage (or a collision damage waiver) through the rental car company.
Considering a personal injury claim
What if your accident resulted in extensive financial losses or serious injuries? If another driver was at fault, you may wish to consider pursuing a personal injury claim in Minnesota courts.
Of course, it might not be immediately apparent who was at fault. Perhaps the other driver was texting behind the wheel or driving while intoxicated. These facts might not come to light until a thorough investigation is underway.
Through a negligence claim, you may be able to recover additional compensation for damages such as:
- Medical bills
- Lost wages
- Other out-of-pocket expenses related to the accident
- Pain and suffering
In cases involving extreme disregard for the safety of others – drunk driving, for example – punitive damages may also be available.
Getting trusted help
Following any serious accident, it’s wise to safeguard your rights by speaking with a local and reputable attorney who understands Minnesota personal injury law. Learn more about your options and what you can expect moving forward.