DOES NO-FAULT INSURANCE APPLY TO SOMEONE VISITING MINNESOTA?

Our car accident lawyers mostly handle cases for people living in Minnesota. However, sometimes we get a call from someone in a crash who was visiting or driving through MN. The auto insurance issues can be interesting in those situations. In particular, the caller wants to know what does “No-Fault” mean for a MN accident and does it apply to them. First, MN No-Fault law applies to everyone who is in a car accident in Minnesota. It doesn’t matter if you were visiting or just driving through.

That does a “No-Fault State? mean? First, it doesn’t mean that it doesn’t matter who was at fault. No-Fault just affects the initial medical bills after a car accident. Each person’s own auto insurance pays their medical bills regardless of who was at fault. However, which car was fault is still important for many reasons. First, the at-fault car is responsible for the vehicle damage. In addition, No Fault medical bills are usually capped at $20,000. Therefore, if you are more seriously injured, any additional bills will be paid by the other car’s insurance if they were at fault.

WHAT IF YOUR OUT OF STATE AUTO INSURANCE DOESN’T INCLUDE NO FAULT MEDICAL COVERAGE?

Only 12 states require No-Fault insurance. So what happens if your car is insured in a state that does not have No Fault insurance? In most cases, your insurance will be required to provide MN No Fault coverage while you are driving in Minnesota. This is required by Minnesota law and applies to all insurnace companies that do business in Minnesota. For example, State Farm, Progressive, Allstate, Farmers, etc.

CAR ACCIDENT LAWYERS MN

If you were injured in a car accident while visiting Minnesota, call us. Our car accident lawyers are experienced with the insurance issues involved. The initial consultation is free. You will speak directly with a lawyer who can answer your questions and explain your rights. Further, we never charge anything unless you receive compensation for your injuries.