If you have been involved in a motor vehicle collision in Minnesota, you should know what Minnesota No-Fault insurance is and how it affects your road to recovery.
The “Minnesota No-Fault Automobile Insurance Act” is a long and complex body of work, so we have broken down some of its most pertinent features and purposes, and outlined them below:
- What exactly is no-fault insurance? Minnesota no-fault insurance is a state-required insurance coverage for all owners of motor vehicles and automobiles, but not motorcycles. Its general purpose is to ensure prompt payment of medical bills and other economic losses suffered from an accident, regardless of fault.
- Which specific economic losses does it cover? The primary costs protected by no-fault include “medical expenses, income loss, replacement service loss and, if the injury causes death, funeral expense…” (Minn. 65B.43, Subd. 7).
- So no-fault insurance helps pay my medical bills and lost earnings from my accident, but what are replacement services? These include essentially any reasonable expenses incurred in replacing non-income duties, typically around the house, that the injured person would have otherwise been performing. For example, if you broke your leg in an auto collision and must now pay someone to shovel your driveway; no-fault insurance will reimburse your snow-removal payments at up to $200.00 per week.
- But how do I know when and where to submit my bills? What if my insurance company terminates my benefits? What do I do if my benefits run out? There is a long list of items to keep track of when dealing with no-fault insurance. To make sure you are receiving all of the benefits you are entitled to and your rights are protected, it is important to consult an attorney. Insurance issues are often overcomplicated and stressful – contacting a qualified Minnesota personal injury attorney can help shift that stress off of your shoulders.
At Teplinsky Law Group, we specialize in knowing personal injury rights and entitlements, including the many nuances of no-fault insurance. If you’re interested in speaking with one of our attorneys, call us at 612-465-0320 to schedule a free consultation. Even if you are unsure of hiring legal help for your injury, it never hurts to call.