Auto Insurance Pre Existing Condition


The new Affordable Care Act (Obama Care) has resulted in much political controversy.  But one thing many people seem to like about it is that you can no longer be denied health insurance because of a preexisting condition.  Unfortunately, car insurance medical benefits don’t work that way in Minnesota.

Car Crash Makes Preexisting Condition Worse
Car Crash Makes Preexisting Condition Worse


If you are injured in a car accident, the MN No Fault laws require your auto insurance to pay your initial medical bills.  And, with MN auto insurance, the insurer will let you buy the policy regardless of a pre-existing medical condition. However, if you are injured in a car accident, the auto insurer will only pay your medical bills if you can prove they are related to the car accident.  In other words, after the car crash, you have to prove that your injury and medical treatment were because of the crash rather than a pre-existing condition. Otherwise, your auto insurance won’t pay for it.


The car accident lawyers at our firm deal with this issue every day.  The automobile insurance company frequently refuses to pay medical bills or stops paying medical bills because they claim that the injured person had a preexisting condition. Our counter argument is often that the car crash made the preexisting condition worse, so the auto insurance must pay for treatment and compensation to at least get the person back to where they were before the accident.  That is the law in Minnesota and is often a successful argument.

If you have been injured in a car accident, call our office and speak with an experienced top Minnesota auto accident attorney for a free consultation.  We will listen to your situation, ask you questions, and explain your rights to you. If we take your case, we will fight the insurance company to make sure you get the insurance benefits and compensation you are entitled to.