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If you’ve been injured in a car accident and you don’t know what to do next, the attorneys ASK LLP are the no-fault insurance experts you can trust. Navigating insurance policies and coverage after a collision can be complex. We can help.
For a free legal consultation with a Personal Injury lawyer serving Minneapolis, call 877-746-4275
Minnesota Requires No-Fault Coverage
Minnesota is a no-fault state, and no-fault insurance plans are automatically built into every automotive policy. Therefore, legally, every driver in Minnesota must carry no-fault insurance.
In Minnesota, no-fault coverage includes:
- Medical expenses: Benefits cover up to $20,000 in medical treatments and professional care.
- Lost wages and benefits: Your insurance provider will cover up to 85% of your total loss, with a maximum of $500 per week. The limit for lost income is $20,000.
- Death benefits: The deceased’s immediate family members may seek survivor’s benefits and receive compensation for funeral expenses.
No-fault insurance policies do not include personal injuries that are not directly related to the crash. The plans will not cover property damage, theft, or pain and suffering. You need to rely on collision coverage or file a liability claim against the other driver to collect compensation for damages outside of your no-fault plan.
Our Lawyers Will Help You Calculate Your Damages
When it comes to calculating your settlement, our car accident lawyers will assess the damages you sustained due to a crash, including:
- Lost wages and reduced earning capacity
- Substitute services and assisted living expenses
- Medical expenses, hospital visits, treatments, prescriptions, etc.
- Pain and suffering
- Mental anguish
- Loss of consortium
- Loss of enjoyment of life
- Wrongful death and funeral expenses
We will ensure that nothing gets left out. Our goal is to get you the best settlement possible for what happened to you.
Personal Injury Lawyer Near Me 877-746-4275
Collecting No-Fault Benefits After a Car Accident
You collect no-fault benefits directly from your insurance provider, even if you were operating a different vehicle or a passenger in someone else’s car. You do not have to prove how another driver caused the accident, making the process more streamlined.
If you were in a commercial truck, you will collect compensation from the commercial vehicle owner’s policy. To collect no-fault benefits, your insurance company may require you to:
- Provide medical treatment records
- Submit pay stubs to verify income loss
- Undergo a physical examination from a doctor chosen by the insurance provider
No-fault insurance plans cover all family members in your household and listed drivers on your policy. And as long as you did not cause the collision, your insurance rates should not increase when seeking no-fault insurance benefits.