Car Accident Lawyer – No Fault Arbitration


If you have been injured in a car accident in Minnesota, your automobile insurance must pay your initial medical bills. Medical bills and lost wages are paid by your auto insurance, even if the accident was the other driver’s fault. This is called MN No-Fault Insurance.  The minimum amount of auto accident insurance for medical bills is $20,000. However, your auto insurer only has to pay medical bills that are related to the accident.

One of the issues that our car accident lawyers are frequently involved with is when the auto insurance company stops paying the medical bills. They either claim that the person’s medical treatment was not from the car accident (preexisting condition) or that they are no longer hurt. Obamacare may have eliminated pre-existing conditions for health insurance, but it is definitely an ongoing issue when it comes to auto insurance.

Car Accident Medical Bills Arbitration Lawyer
Car Accident Medical Bills Arbitration Lawyer

Some car insurance companies are more aggressive about this than others. Every MN car accident attorney will see some of their auto accident clients sent to an independent medical examination eventually. These examinations are done by an insurance company doctor. This auto insurance exam usually results in a doctor opinion that the injured person is either has a preexisting condition, or was not really injured in the accident. Sometimes the insurance company doctor will say, the injury was temporary and the person has recovered and doesn’t need any more treatment.

After the insurance company gets their doctor report, they will stop paying medical bills. When this happens, the injured person’s lawyer can start a No-Fault arbitration process if the unpaid medical bills and lost wages are still under $10,000. If the bills are over $10,000, the attorney can waive the excess bills or start a district court case.


Our car crash lawyers handle many no fault arbitrations throughout Minnesota every year. The arbitration is a relatively simple process and allows a more neutral third person to determine if the insurance company was justified to stop paying your medical bills after the accident. If the insurance company loses, they have to pay the bills, plus 15% interest.

If you have been injured in a car accident and the auto insurance company has stopped paying your medical bills or lost wages, please call our office and speak to a top attorney for a free consultation. Our car accident lawyers have more than 25 years’ experience helping hundreds of people who have been injured in crashes throughout MN.

You can meet with one of our lawyers at our office, or an auto accident lawyer will meet with you at your home. We will advise you of your rights and help you get the best possible result in your case. We only charge a percentage of the compensation you receive, so if you are not compensated, we do not send you a bill.