We offer free consultations on Minnesota No-Fault law; we are Minnesota No-Fault Insurance lawyers. The Minnesota No-Fault Act is a complicated but important area of law. This page summarizes just some of the important aspects of the No-Fault law. You can also access a more detailed outline of the Minnesota No-Fault Act by clicking here. These pages are not legal advice, but merely provide a little information. Do not hesitate to contact us regarding your individual circumstances. We are happy to discuss your case with you.
Making sure an injured person's medical bills and wage loss benefits are paid is one of the most important things an attorney can do in the months that follow an accident. Many personal injury attorneys actually leave such complicated procedures up to a paralegal or even the client. It is not surprising, however, because effective representation of the No-Fault claim takes a great deal of time and knowledge about the law.
We handle every aspect of the No-Fault claim. In addition, if the insurance company wrongfully withholds benefits, we will even pursue a separate legal challenge (called arbitration). If you are shopping around for legal representation, make sure the lawyer you select provides the same level of service.
Under a No-Fault system, like the one used in Minnesota, the injured person’s own automobile insurance pays medical bills, wage loss and other benefits. These benefits are supposed to be paid quickly and according to guidelines set by the Minnesota legislature. There is up to $20,000 available for medical expenses and up to $20,000 for wage loss caused by an accident. For serious accidents that result in death, there are survivor benefits available to help those left behind with funeral expenses and loss of earnings.
If you have been injured in an accident, it is important that you seek out appropriate medical treatment soon after the accident. Your No-Fault insurer may terminate your benefits if there is a lapse of treatment after an accident. Benefits will also be terminated soon after the accident if the insurance company decides that the treatment is not necessary or not providing any medical benefit. If you are unsure of what treatment is appropriate, ask your doctor.
Your No-Fault coverage can easily and inexpensively be increased if you own more than one vehicle. Stacking your No-Fault insurance coverage multiplies the amount of coverage available from $20,000 for wage loss and $20,000 for medical expenses to $40,000 for each. Perhaps more importantly, it also multiplies the weekly maximum wage loss coverage.
The Minnesota No-Fault Act states that an injured person's wage loss is to be reimbursed at a rate equal to 85% of the total wage loss with a weekly maximum of $250.00. Those making more than $300 per week will only receive $250.00 per week in wage loss payments. Unless you feel you can meet all your financial obligations with $250 per week, those with higher incomes should seriously consider stacking their policies. If your family owns two vehicles, the maximum weekly benefit goes to $500; with three vehicles, the maximum is $750, and so on. Best of all, stacking coverage is very affordable.
While the No-Fault system not only protects the innocent victims of automobile accidents, it also provides important benefits to those who are at fault for the accident. When you think about your friends or family members who may have caused an accident due to their inattention, inexperience or just bad luck, you can appreciate the safety net that is in place. No-Fault insurance ensures they will get good medical treatment and can maintain a base income while they are unable to work.
If you have been injured in an accident that was your fault, you are still entitled to benefits. Unfortunately, it may be difficult to find a lawyer willing to stand up to the insurance companies to fight for the benefits you are entitled to receive. We have successfully represented many people with no-fault claims, and at little or no cost or risk to our clients. If you have questions about your rights, or need representation, contact us. I am sure we can provide the assistance you need.
The Minnesota No-Fault system is misunderstood. Just because we operate in a No-Fault state does not mean that fault is unimportant. No-Fault insurance ensures that everyone hurt in an automobile accident will get good medical treatment and a base level of wage loss payment while unable to work. These benefits can be minor compared to the damages which an innocent victim is entitled. A person who is seriously injured due to the negligence of another, in addition to wage loss and medical expenses, can sue the at-fault party for other damages. These damages include compensation for past pain and suffering, future pain and suffering, and loss of earnings capacity.
For more details about the Minnesota No-Fault Act, click here. You should also feel free to contact us. An attorney will be happy to answer your questions about Minnesota No-Fault Insurance or Accident law without cost or obligation. Really - it's what we do. contact us
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A
Ada, Adams,
Adolph, Adrian, Afton, Aitkin, Akeley, Albany, Albert Lea, Alberta, Albertville,
Alden, Aldrich, Alexandria, Almelund, Alpha, Altura, Alvarado, Amboy, Andover,
Angle Inlet, Angora, Angus, Annandale, Anoka, Apple Valley, Appleton, Arco,
Arden Hills, Argyle, Arlington, Ashby, Askov, Atwater, Audubon, Aurora, Austin,
Avoca, Avon
B
Babbitt, Backus, Badger, Bagley, Baker, Balaton,
Barnesville, Barnum, Barrett, Battle Lake, Baudette, Baxter, Baxters, Bayport,
Beardsley, Beaver Bay, Beaver Creek, Becker, Bejou, Belgrade, Belle Plain,
Bellingham, Beltrami, Belview, Bemidji, Bena, Benedict, Benson, Bertha, Bethel,
Bible College, Big Falls, Big Fork, Big Lake, Bigelow, Birchdale, Bird Island,
Biwabik, Blackduck, Blaine, Blomkest, Blooming Prairie, Bloomington, Blue Earth,
Bluffton, Bock, Borup, Bovey, Bowlus, Bowstring, Boyd, Braham, Brainerd,
Brandon, Breckenridge, Brewster, Bricelyn, Brimson, Britt, Brook Park, Brooklyn
Center, Brooklyn Park, Brooks, Brookston, Brooten, Browerville, Browns Valley,
Brownsdale, Brownsville, Brownton, Bruno, Buckman, Buffalo, Buffalo Lake, Buhl,
Burnsville, Burtrum, Butterfield, Buyck, Byron
C
Caledonia, Callaway, Calumet,
Cambridge, Campbell, Canby, Cannon Falls, Canosia, Canton, Canyon, Carlos,
Carlton, Carver, Cass Lake, Castle Rock, Cedar, Center City, Centerville,
Ceylon, Champlin, Chandler, Chanhassen, Chaska, Chatfield, Chisago City,
Chisholm, Chokio, Circle Pines, Clara City, Claremont, Clarissa, Clarkfield,
Clarks Grove, Clear Lake, Clearbrook, Clearwater, Clements, Cleveland, Climax,
Clinton, Clitherall, Clontarf, Cloquet, Cohasset, Cokato, Cold Springs,
Coleraine, Collegeville, Cologne, Columbia Heights, Comfrey, Comstock, Conger,
Cook, Coon Rapids, Corcoran, Correll, Cosmos, Cottage Grove, Cotton, Cottonwood,
Courtland, Crane Lake, Cromwell, Crookston, Crosby, Crosslake, Crystal, Currie,
Cushing, Cyrus
D
Dakota, Dalbo, Dalton, Danube, Danvers, Darfur, Darwin,
Dassel, Dawson, Dayton, Deephaven, Deer Creek, Deer River, Deerwood, Delano,
Delavan, Dellwood, Dennison, Dent, Detroit Lakes, Dexter, Dilworth, Dodge
Center, Donaldson, Donnelly, Dover, Dovray, Duluth, Dumont, Dundas, Dunnell
E
Eagan, Eagle Bend,
Eagle Lake, East Grand Forks, Easton, Echo, Eden Prairie, Eden Valley, Edgerton,
Edina, Effie, Eitzen, Elbow Lake, Elgin, Elizabeth, Elk River, Elko, Elkton,
Ellendale, Ellsworth, Elmore, Elrosa, Ely, Elysian, Embarrass, Emily, Emmons,
Erhard, Erskine, Esko, Essig, Euclid, Evansville, Eveleth, Excelsior, Eyota
F
Fairfax, Fairmont,
Falcon Heights, Fall Lake, Faribault, Farmington, Farwell, Federal Dam, Felton,
Fergus Falls, Fertile, Fifty Lakes, Finland, Finlayson, Fisher, Flensburg, Flom,
Floodwood, Foley, Forbes, Forest Lake, Foreston, Fort Ripley, Fosston, Fountain,
Foxhome, Franklin, Frazee, Freeborn, Freeport, Fridley, Frontenac, Frost, Fulda
G
Garden City, Garfield, Garrison, Garvin, Gary, Gatzke,
Gaylord, Geneva, Georgetown, Ghent, Gibbon, Gilbert, Gilman, Glencoe, Glenville,
Glenwood, Glyndon, Golden Valley, Gonvick, Good Thunder, Goodhue, Goodland,
Goodridge, Graceville, Granada, Grand Forks, Grand Marais, Grand Meadow, Grand
Portage, Grand Rapids, Grandy, Granite Falls, Grant, Grasston, Green Isle,
Greenbush, Greenwald, Grey Eagle, Grove City, Grygla, Gully
H
Hackensack, Hallock,
Halma, Halstad, Ham Lake, Hamburg, Hamel, Hampton, Hancock, Hanley Falls,
Hanover, Hanska, Hardwick, Harmony, Harris, Hartland, Hastings, Hawick, Hawley,
Hayfield, Hayward, Hector, Henderson, Hendricks, Hendrum, Henning, Herman,
Hermantown, Heron Lake, Hewitt, Hibbing, Hill City, Hillman, Hills, Hinckley,
Hines, Hitterdal, Hoffman, Hokah, Holdingford, Holland, Hollandale, Holloway,
Holmes City, Homer, Hope, Hopkins, Houston, Hovland, Howard Lake, Hoyt Lakes,
Hubbard, Hugo, Humboldt, Huntley, Hutchinson
I
Ihlen, Illgen City, International
Falls, Inver Grove Heights, Iona, Iron, Ironton, Isabella, Isanti, Isle, Ivanhoe
J
Jackson, Jacobson,
Janesville, Jasper, Jeffers, Jenkins, Jordan
K
Kanaranzi, Kandiyohi, Karlstad, Kasota,
Kasson, Keewatin, Kelliher, Kellogg, Kennedy, Kenneth, Kensington, Kent, Kenyon,
Kerkhoven, Kerrick, Kettle River, Kiester, Kilkenny, Kimball, Kingston, Kinney,
Knife River
L
La Crescent, La Salle, Lafayette, Lake Benton, Lake
Bronson, Lake City, Lake Crystal, Lake Elmo, Lake George, Lake Hubert, Lake
Itasca, Lake Kabetogama, Lake Lillian, Lake Minnetonka, Lake of the Woods, Lake
Osakis, Lake Park, Lake Shore, Lake Vermilion, Lake Wilson, Lakefield, Lakeland,
Lakeville, Lamberton, Lancaster, Lanesboro, Lansing, LaPorte, Lastrup, Le
Center, Le Roy, Le Sueur, Leech Lake, Lengby, Leonard, Leota, Lester Prairie,
Lewiston, Lewisville, Lindstrom, Lino Lakes, Lismore, Litchfield, Little Canada,
Little Falls, Little Marais, Littlefork, Loman, Long Lake, Long Prairie,
Longville, Lonsdale, Loretto, Lowry, Lucan, Lutsen, Luverne, Lyle, Lynd
M
Mabel, Madelia,
Madison, Madison Lake, Magnolia, Mahnomen, Mahtomedi, Makinen, Mankato,
Mantorville, Maple Grove, Maple Lake, Maple Plain, Mapleton, Maplewood, Marble,
Marcell, Marietta, Marine on Saint Croix, Markville, Marshall, Max, Mayer,
Maynard, Mazeppa, Mc Grath, McGregor, McIntosh, Meadowlands, Medford, Medina,
Melrose, Melrude, Menahga, Mendota, Mendota Heights, Mentor, Merrifield, Middle
River, Milaca, Milan, Millville, Milroy, Miltona, Minneapolis, Minneota,
Minnesota City, Minnesota Lake, Minnetonka, Minnetonka Beach, Minnetrista,
Mizpah, Montevideo, Montgomery, Monticello, Montrose, Moorhead, Moose Lake,
Mora, Morgan, Morris, Morristown, Morton, Motley, Mound, Mounds View, Mountain
Iron, Mountain Lake, Murdock
N
Nashwauk, Nassau, Navarre, Naytahwaush, Nelson, Nerstrand,
Nett Lake, Nevis, New Auburn, New Brighton, New Germany, New Hartford, New Hope,
New London, New Market, New Munich, New Prague, New Richland, New Ulm, New York
Mills, Newfolden, Newport, Nicollet, Nielsville, Nimrod, Nisswa, Norcross, North
Branch, North Mankato, North Oaks, North Saint Paul, Northfield, Northome,
Northrop, Norwood
O
Oak Grove, Oak Island, Oak Park, Oak Park Heights, Oakdale,
Oakland, Odessa, Odin, Ogema, Ogilvie, Okabena, Oklee, Olivia, Onamia, Ormsby,
Oronoco, Orr, Ortonville, Osage, Osakis, Oslo, Osseo, Ostrander, Ottertail,
Outing, Owatonna
P
Palisade, Park Rapids, Parkers Prairie, Paynesville, Pease,
Pelican Rapids, Pemberton, Pengilly, Pennington, Pennock, Pequot Lakes, Perham,
Perley, Peterson, Pierz, Pillager, Pine City, Pine Island, Pine River,
Pipestone, Plainview, Plato, Plummer, Plymouth, Ponemah, Ponsford, Popple Creek,
Porter, Preston, Princeton, Prinsburg, Prior Lake, Proctor, Puposky
R
Racine, Ramsey,
Randall, Randolph, Ranier, Ray, Raymond, Reading, Reads Landing, Red Lake Falls,
Red Wing, Redby, Redlake, Redwood Falls, Remer, Renville, Revere, Rice,
Richfield, Richmond, Richville, Richwood, Robbinsdale, Rochert, Rochester, Rock
Creek, Rockford, Rockville, Rogers, Rollingstone, Roosevelt, Roscoe, Rose Creek,
Roseau, Rosemount, Roseville, Rothsay, Round Lake, Royalton, Rush City,
Rushford, Rushmore, Russell, Ruthton, Rutledge
S
Sabin, Sacred Heart, Saginaw, Saint
Anthony, Saint Bonifacius, Saint Charles, Saint Clair, Saint Cloud, Saint
Francis, Saint Hilaire, Saint James, Saint Joseph, Saint Louis Park, Saint
Martin, Saint Michael, Saint Paul, Saint Paul Park, Saint Peter, Salol, Sanborn,
Sandstone, Sargeant, Sartell, Sauk Centre, Sauk Rapids, Savage, Sawyer, Scandia,
Schroeder, Seaforth, Searles, Sebeka, Shafer, Shakopee, Shelly, Sherburn,
Shevlin, Shoreview, Shorewood, Side Lake, Silver Bay, Silver Creek, Silver Lake,
Slayton, Sleepy Eye, Solway, Soudan, South Haven, South International Falls,
South Saint Paul, Spicer, Spring Grove, Spring Lake, Spring Lake Park, Spring
Park, Spring Valley, Springfield, Squaw Lake, Stacy, Stanchfield, Staples,
Starbuck, Steen, Stephen, Stewart, Stewartville, Stillwater, Stockton, Storden,
Strandquist, Strathcona, Sturgeon Lake, Sunburg, Sunfish Lake, Swan River,
Swanville
T
Taconite, Talmoon, Tamarack, Taopi, Taunton, Taylors Falls,
Tenstrike, Thief River Falls, Tintah, Tofte, Togo, Tower, Tracy, Trail, Trimont,
Trosky, Truman, Twig, Twin Valley, Two Harbors, Tyler
U
Ulen, Underwood, Upsala, Utica
V
Vadnais Heights,
Verdi, Vergas, Vermillion, Verndale, Vernon Center, Vesta, Victoria, Viking,
Villard, Vining, Virginia
W
Wabasha, Wabasso, Waconia, Wadena, Wahkon, Waite Park,
Waldorf, Walker, Walnut Grove, Waltham, Wanamingo, Wanda, Wannaska, Warba,
Warren, Warroad, Warsaw, Waseca, Waskish, Watertown, Waterville, Watkins,
Watson, Waubun, Waverly, Wayzata, Webster, Welch, Welcome, Wells, Wendell, West
Concord, West Saint Paul, West Union, Westbrook, Wheaton, White Bear Lake, White
Earth, Willernie, Williams, Willmar, Willow River, Wilmont, Wilton, Windom,
Winger, Winnebago, Winona, Winsted, Winthrop, Winton, Wirt, Wolf Lake, Wolverton,
Wood Lake, Woodbury, Woodstock, Worthington, Wrenshall, Wright, Wykoff, Wyoming
Y
Young America
Z
Zimmerman, Zumbro
Falls, Zumbrota
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