Minnesota is a No-Fault Auto Insurance state. The no-fault portion of your insurance policy can be difficult to understand, which is why it is so important to contact the accident lawyers at Goldenberg Lauricella after you have been injured in a collision.
Under Minnesota law, drivers are required to carry no-fault auto insurance. The “no-fault” provision means exactly that: if you’ve been injured in an accident, your insurance company will pay certain benefits regardless of who was to blame for the accident.
These benefits include:
- Disability and income loss, up to $250 per week;
- Expenses related to acquiring replacements for the services an injured person usually provides themselves;
- Funeral expenses up to $2,000 in case of a fatal accident; and/or
- Rehabilitation costs.
Damage to personal property is not covered by the no-fault insurance, though your policy may include other provisions affording such coverage.
Despite the presence of no-fault auto insurance, state law still allows you to retain an accident lawyer and pursue a personal injury claim against the driver responsible for the accident. The circumstances in which you may seek compensation from the other driver include:
- You have medical bills exceeding your no-fault threshold
- You suffer a permanent injury
- You suffer a permanent disfigurement
- You suffer a disability that lasts for more than 60 days
You can find all of this information and more about the state’s no-fault auto insurance act at the Minnesota Department of Commerce’s website here. You can also read the complete law at this link.
After your accident, it’s crucial you speak to a lawyer at Goldenberg Lauricella. We’ll help you interpret the relevant portions of your automobile insurance policy and make sure you receive the compensation you deserve.
If you have suffered injuries in a collision, do not hesitate to contact Goldenberg Lauricella today for a free consultation.