Who has no-fault benefits?
All owners of automobiles in the state of Minnesota must carry no-fault insurance which includes PIP benefits. Motorcycle owners must carry liability protection of a minimum coverage. Motorcycles are not required to carry P.I.P. benefits.

Who pays No-Fault Benefits?
Your insurance company is responsible for payments. If you do not have insurance and are a passenger or driver in an insured vehicle, the owner's insurance company is responsible.

What No-Fault benefits are you eligible to receive?
1. Reasonable medical and chiropractic treatment and transportation expenses, including mileage, at a minimum of $20,000 per person, per vehicle.
2. Wage loss and replacement service benefits (household help - at a minimum of $20,000 per person, per vehicle.)
In the event of death, benefits include payments to survivors for loss of income benefits, replacement service benefits to survivors, and funeral benefits.
Wage loss benefits are calculated at 85% of gross wage up to $250.00 per week. Replacement service benefits will be paid in an amount up to $200.00 per week, following the first week of the accident.

How do you collect your no-fault benefits? Report the accident and nature and extent of your injuries to your agent. (Before completing an application for benefits, contact an experienced attorney to fully understand your legal rights.)

Can your insurance company delay payment of your no-fault benefits?
Minnesota law requires insurance companies to pay no-fault benefits, including chiropractic and mileage expense within 30 days after the filing of your claim with them.

Can your insurance company refuse to pay your no-fault benefits?
Your insurance company may deny no-fault benefits for a number of reasons. Two of the most common reasons are:
1. You undergo a physical examination by a doctor chosen by your insurance company and the doctor alleges that no further no-fault benefits are necessary; or
2. You do not receive medical, chiropractic or other medical treatment for a one-year period from the last treatment.

What should you do if you are injured in an automobile accident?

1. Report the accident to the police immediately and obtain proper medical attention.

2. Obtain the name, address, phone number, license number, and insurance company of all people involved in the accident.

3. Obtain the names, addresses, and phone numbers of all witnesses to the accident.

4. If the accident resulted in injury, death or total property damage of more than $1,000.00, the driver is required to forward a written report of the accident to the Commissioner of Public Safety.

5. Contact an attorney to fully understand your legal rights.

6. Report the accident, or have an attorney report the accident, to your insurance company through the agent who sold you the policy. Prompt notification will help expedite payments by the insurance company for medical and chiropractic expenses, wage loss, and other no-fault benefits.

Are you required to sign a statement explaining the details of the accident?
Your are entitled to payment of no-fault benefits regardless of who caused the accident. You are not required to sign a statement regarding the particulars of the accident and should not, since the statement may be used against you should you file a claim for other losses not paid pursuant to the Minnesota No-Fault law.

Are you required to sign a release?
You are not required to sign a receipt for your payments, nor are you required to release any other person from their liability in the accident in order to collect no-fault benefits.

When can you make a claim for personal injury against the other insurance company?
An innocent automobile accident victim, or spouse of an innocent automobile accident victim, may be compensated by a negligent driver for human suffering, impairments to your life, inconvenience and loss of earning capacity. Contact an attorney to fully understand your legal rights.

Can you recover compensation for pain, suffering and disability if the person who caused the accident is uninsured?
Yes, you can collect what is called "uninsured motorist coverage" from primarily either your own insurance company through the coverage you purchased on your vehicle or from an insured vehicle in which you are a passenger.

If your automobile is damaged in an accident, what benefits are you entitled to?
You may collect from either your own insurance company if you have collision coverage on your vehicle or from the insurance company of the person who is at fault.