Minnesota is one of only thirteen states that maintain a no fault car accident insurance system. This system is designed to reduce insurance premiums by cutting back on the number of lawsuits people must file to receive compensation for their injuries. TSR Injury Law would like to provide you with some details about the Minnesota no fault accident laws.
How No Fault Insurance Law Works in Minnesota
No fault insurance is somewhat different in every state that has it. Here in Minnesota, every driver is required to carry Personal Injury Protection, or PIP. This is a type of insurance that will cover your medical and mechanical expenses if you are in a car accident, no matter who is at fault. Very often you will be required to have an IME / Independent Medical Exam, in an effort to downplay the extent of your injuries and reduce medical payments.
The good news is that you are able to receive compensation without going through the costly experience of filing a lawsuit. The bad news is that PIP covers only medical expenses up to the policy’s specified limit and does not cover “non-economic” damages at all.
Car Insurance Coverage Explained
Non-economic damages is a term used to describe the immaterial ways a person might suffer and be deeply affected by a serious accident. They include, but are not limited to:
- Emotional suffering
- Loss of companionship
- Reduced quality of life
Lawsuits and No Fault Accident Insurance
Minnesota law recognizes that insurance payments are not always enough to help people recover from a serious car accident. Even if you accept payments from your insurance company, you should contact a Minnesota No Fault Accident Attorney if:
- Your medical expenses exceed $4,000
- Your injuries are permanent
- You have been scarred or disfigured
- Someone has died as a result of the crash
Contact a Minnesota No Fault Accident Lawyer
A lawsuit can help you win compensation for the financial and emotional expenses not covered by a general no fault accident insurance claim. To speak with an experienced Minnesota No Fault Accident Lawyer, contact TSR Injury Law at 612-TSR-TIME or submit our free consultation form.