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Mike Bryant
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REAL EXAMPLES OF WRONGFUL INSURANCE DENIALS: Single Vehicle Roll Over

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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 young Minnesota man rolls his pickup truck on the way to work one morning, primarily due to the weather conditions and the speed he was driving. His car insurance company refuses to pay his emergency room visit and the wage benefit from two work days after breaking his wrist. They deny the benefits with no grounds, perhaps knowing because he was at fault, he is unlikely to find legal help. He came to us and we were able to get an arbitrator to award all of his benefits, including interest and costs. At the hearing, the defense attorney basically admitted they had absolutely no defense.

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.