RECOVERING LOSS OF INCOME AFTER A CAR ACCIDENT
A question that clients ask our attorneys in many Minnesota car accident injury cases is how do I get repaid for my lost wages? If you are injured in a car accident, you may be taken off work for a period of time. If you have surgery because of your car accident injury, you could be off work for weeks or months. Fortunately, you can get some financial relief through your No-Fault automobile coverage. The wage loss portion of your No Fault (or PIP) coverage will pay you 85% of your lost wages, up to $500 per week. You are entitled to this auto insurance coverage regardless of who caused the accident. In other words, you can receive No-Fault wage loss even if you caused the auto accident.
No Fault coverage is part of your MN auto insurance policy and must be paid by YOUR insurance, even if the other driver was at fault in causing the accident. If you were driving your car without insurance, you cannot receive that benefit (although you may still be able to eventually get the equivalent from the other driver if the other driver was at fault). If you were a passenger in a car, No-Fault insurance coverage still comes from your own policy. However, if you were a passenger but do not have your own car insurance, you will be covered by the insurance of the car you were in. There are a number of other considerations as to whether there is No-Fault coverage available in a specific situation, so the best thing is to call a car accident lawyer to discuss your specific facts. Sometimes our lawyers find insurance coverage in places that our client would not expect, so don’t assume you don’t have coverage.
In order to prove the amount of your wage loss, you will need a doctor’s note or medical records that show you were unable to work because of your injuries from the car accident. You will also need proof of your income from before the accident to show what you lost. Again, it is best to contact a car accident lawyer in these situations so that we can help you accumulate and present the necessary proof for reimbursement of your lost wages.
Finally, in addition to No Fault insurance to recover your lost income, you may also be able to recover wage loss from the other driver if the accident was the other driver’s fault. For example, the most you can receive from No Fault (PIP insurance) is 85% of your lost wages, so the other 15% can be recovered from the other driver if he was at fault. Again, this is something you should talk to one of our car accident lawyers about.
The Rochlin Law Firm is a personal injury firm that represents people who have been injured in car accidents in Minnesota. We have more than 25 years’ experience successfully making sure the insurance company fully compensates our clients for their injuries. Pam Rochlin was the 2015 president of Minnesota Women Lawyers Association and is a former partner at Meshbesher & Spence. We provide personal attention to your case. You are welcome to call us for a free consultation and a lawyer will answer your car accident questions.