Minnesota is a no-fault state. When a car accident occurs, each party looks to his or her respective insurance to pay for the costs of basic economic loss including medical expenses and wage loss regardless of fault. This may seem straightforward, but it is actually more complicated than you might think. Our lawyers can help guide you through the no-fault laws and help you get adequate financial compensation for your damages.
What Does No-Fault Mean?
No-fault insurance is when insurance covers the cost of certain damages arising out of a motor vehicle crash. Minnesota requires any owner of a motor vehicle to carry no-fault coverage which provides, at a minimum, for $20,000 in medical expense benefits and $20,000 in wage loss and/or replacement services.
In theory, this type of insurance is supposed to prevent the courts from dealing with every single accident claim outside of only the most severe and important ones. In addition, no-fault insurance is also supposed to speed up the time it takes to receive compensation for a claim. In essence, courts do not get bogged down with cases, and victims can get the money they need fast.
In practice, insurance companies agressively deploy purportedly “independent” examinations are a pretext to stopping payment of your benefits. If your insurance carrier wants you to see a doctor of their choice, you should speak to a competent car crash lawyer.
For a free legal consultation with a car accidents lawyer serving Minnesota, call 877-746-4275
What Will No-Fault Insurance Cover?
The Minnesota Department of Public Safety (MNDPS) explains that no-fault insurance only covers expenses related to your injuries. No-fault insurance does cover the following:
- Hospital visits
- Medical treatments and prescriptions
- Substitute services for errands you can no longer do yourself
- Physical therapy
- Lost wages
- Funeral expenses in cases of wrongful death
Other categories of damage, including pain and suffering and property damage are not compensable under the No-Fault Act, but may be compensable through a lawsuit or other action.
Minnesota Car Accident Lawyer Near Me 877-746-4275
Can I File a Claim for My Damages?
For vehicle and property damages, you can file a claim to pursue compensation. For damages related to your injuries, it becomes a little more complicated. Yes, you can file a claim or start a lawsuit, however, a judge might dismiss you case if you do not satify a so-called “tort threshold.” If:
- You have more than $4,000 in medical expenses exclusive of diagnostic x-rays;
- You have suffered 60 days or more of crash related disability;
- You have suffered a “permanent injury” – defined as an injury from which you are not likely to ever totally recover; or,
- You suffered a permanent disfigurement or scar.
Then your lawsuit would survive the Court’s scrutiny.
Regardless, every case is different. If you feel as though you can seek a settlement through a lawsuit, contact us today. We can help you determine if your case is valid and meets the specific requirements to do so.
Types of Damages
Two types of damages exist, economic and non-economic.
Economic damages mainly get calculated through bills, receipts, invoices, or other financial documents. They have fixed monetary values attached to them. Your no-fault insurance will cover economic damages related to your injuries.
No-fault insurance does not cover any of your non-economic damages. These are damages that do not have any monetary value. Your lawyer will help you calculate them depending on the severity of your accident and various other factors.
These damages typically include:
- Pain and suffering
- Mental anguish
- Loss of enjoyment of life
- Loss of consortium
When you file a claim, you can pursue all of the non-economic damages you typically would not receive when going through your insurance policy.
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What Can a Lawyer Do for Me?
Our lawyers will help you throughout all of the legal processes involved with pursuing a claim for your car accident. When you have proper legal representation by your side, you can get a higher settlement by taking advantage of the risk to the insurance company that competent representation brings to the table. We will fight for your claim and ensure that you are not taken advantage of by the insurance companies.
We have extensive knowledge of car accident litigation in Minnesota. No-fault laws are confusing to understand, but we can help you figure out your best course of action. From the state to the local level, our team can help you answer all of your questions and make the best decisions to maximize the amount of compensation you receive.
Our lawyers can assist in:
- Collecting and maintaining evidence regarding your accident.
- Handle communication with the insurance companies or other parties.
- Negotiate on your behalf and represent your interests in court.
- Answer all of your questions honestly and without delay.
With years of experience on our site, we know precisely how to handle each unique case. Do not get dragged down with legal stress when seeking your settlement. The lawyers at our firm will lift that weight off your shoulders and help you every step of the way.
Get Help from Our Minnesota Car Accident Lawyers Today
With the help of our car accident lawyers, we can get you the settlement you need to put yourself on the path to recovery. If you feel lost on how to get started, call the car accident lawyers at ASK LLP today for a free consultation. We have helped thousands of victims get justice and a fair settlement. Reach us at (877) 746-4275. There is no risk and no obligation.