If you suffered damages from a car accident in St. Paul, you would have to file a claim through your insurance. This is due to the no-fault rules that the state of Minnesota abides by. While you can still file a lawsuit against the at-fault driver, you can only do so under certain circumstances.
The attorneys at ASK LLP have years of experience helping car accident victims get a fair settlement. We know that navigating through no-fault laws can be confusing. Our team is ready to help you fight for proper compensation. Call us today to schedule a consultation at no cost to you. Our number is (877) 746-4275.
What Are No-Fault Rules?
Minnesota’s no-fault insurance laws require you to go to your own insurance carrier for payment of basic economic loss.
In theory, states that require a no-fault insurance policy typically do so with the best interests of everyone in mind. When drivers get compensation through their own insurance, they do not have to rely on time-consuming negotiations or legal battles that can potentially waste the court’s time.
In reality, no-fault claims can create just as much litigation as a liability suit against a negligent driver. To avoid leaving benefits on the table for which you have already paid, contact an ASK lawyer for advice.
For a free legal consultation with a car accidents lawyer serving St. Paul, call 877-746-4275
How Does No-Fault Insurance Work?
In Minnesota, all drivers must have no-fault insurance in the form of personal injury protection (PIP). PIP only covers medical expenses and other expenses that are related to your injuries. It will not cover other damages such as vehicle repairs or replacements. Mainly PIP covers the following:
- Hospitalization or emergency room visits
- Physical therapy
- Prescription medicines
- Substitute services
- Funeral costs
- Lost wages
- Medical equipment and prosthetic devices
If your insurance does not cover all of your expenses, you do not always have to pay out-of-pocket. Our lawyers can help you determine if you are eligible to pursue compensation through a separate personal injury claim.
St. Paul Car Accident Lawyer Near Me 877-746-4275
How We Help You File a Claim
Before we help you file, we will first check to see if your claim is eligible. While every claim’s circumstances are different, in general, if your medical expenses exceed $4,000, exclusive of diagnostic x-rays or you have suffered an injury from which you are not likely to ever completely recover to a reasonable degree of medical certainity, you may be able to pursue compensation against the at-fault driver or “tortfeasor.”
You Can Get Compensation for Non-Economic Damages
No-fault insurance only covers economic damages. These damages have a fixed value and get proven through bills, receipts, and other financial documents. We believe that you should also get compensated for your non-economic damages. Some examples include:
- Pain and suffering
- Mental anguish
- Loss of consortium
- Loss of enjoyment of life
Non-economic damages have no set limit. Our lawyers will help you accurately determine how much you should receive.
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Understanding Comparative Fault
To hold the at-fault party responsible for your accident, you need to prove negligence. This is a four-step process:
- The other driver had a duty of care while on the road.
- Through negligence, that driver breached their duty of care.
- Because of their negligent actions, your accident occurred.
- Any damages you sustained were a direct result of that accident.
It is important to remember that Minnesota has a comparative negligence law. According to Minnesota Statutes Annotated §604.01, your settlement can get reduced based on the percentage of how much you were responsible. You cannot be more than 50% responsible for your accident, or else you lawsuit will fail.
What Will a Car Accident Lawyer Do for Me?
Retaining a car accident lawyer will benefit you tremendously. Our team will provide you with honest and straightforward legal advice to make the most optimal decisions for your claim. It can be challenging to pursue compensation alone, but we can make navigating a complex legal environment easy to accomplish.
Our lawyers help you by:
- Making sure all paperwork gets done correctly and filed on time.
- Keeping all of your case evidence organized and safe.
- Consulting with experts on your case.
- Negotiating strongly for your claim and representing your best interests.
- Handling all communications between you and other parties.
You can trust us to fight hard on your behalf. We will not hesitate to go as far as we need to in order to get you properly compensated.
Get a Free Consultation from Our St. Paul Car Crash Lawyers
For over 40 years, ASK LLP has helped clients throughout the nation reach their goals. With over 10,000 successful cases, we are confident that we can help you too. We offer a free case review to everyone that reaches out. Even if you feel like you may not have a case, allow us to give you our opinion at no risk to you. Call us at (877) 746-4275 to learn more.