Minnesota is one of 18 no-fault insurance (also known as Personal Injury Protection or PIP) states in the country. That means that if you are involved in an automobile accident, you are entitled to personal injury benefits regardless of your role in the incident.
Each state handles their no-fault laws and claims differently, but in Minnesota, every driver must have automobile insurance for their car or cars. And every insurance policy must include the compulsory no-fault clause.
As long as that’s the case, you are entitled to no-fault benefits in the event you get into a car accident.
In Minnesota, regardless of who caused the accident, your no-fault insurance will pay up to $20,000 in medical expenses for you and any household members. You can seek additional compensation if you need more by stacking your PIP.
Lost wages up to $20,000 are also covered. They are paid to you at either $500 per week, or 85 percent of your weekly income, whichever is less, until you reach $20,000 or until you’ve gone back to work.
It’s important to note that even if the other party in the accident does not have insurance (which, sadly, happens even though automobile insurance is required by law), you will still receive your no-fault benefits, should you need them. They will not be so lucky.
And, no-fault insurance doesn’t only help you when you’ve been injured as the driver or passenger of a car. It also can help you if you are walking or biking and get struck by an automobile. As long as you possess automobile insurance, no-fault insurance will provide the same benefits.
No-fault will pay for the following medical benefits:
What’s more, no-fault also will pay for the cost of a substitute employee to cover work for self-employed people, as well as for the cost of covering household chores performed for an injured individual.
Of course, receiving your no-fault benefits, should you need them, is not a walk in the park. It’s not over-the-top difficult either, but you will be asked to provide lots of documentation and evidence that you are entitled to the benefits.
The first step you should take when applying for your no-fault benefits is to contact your insurance agent. They will be able to answer all of your questions and help with the process.
And, of course, if you have any other questions relating to no-fault insurance, please feel free to get in touch with me. I’m happy to provide additional information. Just let me know.