Minnesota is a no-fault automobile state. This means that when you are in a collision there are basic benefits of medical bills, wage loss, medical mileage and replacement services that will be covered by your own car insurance policy. The no-fault benefits goes back to a deal from the 1970s where insurance companies got tort thresholds (items proving a severe enough injury to bring a personal injury claim) in return for guaranteeing that they would provide no-fault coverage. Using your no-fault benefits does not raise your insurance rates and should be a relatively easy and fast system.
A Northern Minnesota woman, who has been in multiple accidents, has all of her medical visits denied after being in an accident and seeing a chiropractor. The letter she receives from her insurance company misquotes Minnesota law concerning the interaction of preexisting conditions with a motor vehicle collision. The insurance company, perhaps intentionally, cites a case that dealt with prior non-accident related cases where even though was no doubt that her prior injuries were from car crashes. We arbitrated and all benefits were awarded with interest and costs, with the defense attorney conceding a misstatement of the law by the adjuster.
If you are in a motor vehicle collision in Minnesota, you need to notify your insurance agent in order to start the no-fault process. If you have questions, you should talk to an attorney who is experienced in handling these types of injuries.
A founding partner with Bradshaw & Bryant, Mike Bryant has always fought to find justice for his clients—knowing that legal troubles, both personal injury and criminal, can be devastating for a family. Voted a Top 40 Personal Injury "Super Lawyer" multiple years, Mr. Bryant has also been voted one of the Top 100 Minnesota "Super Lawyers" four times.
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