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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 college student, with no preexisting conditions or medical history concerning a spinal injury, is hit by a drunk driver and has his medical bills cut off 90 days after the collision. The adjuster calls him and offers $1,000 stating that since the medical examination is going to come back in their favor anyway, he should save the time and instead take the money they would have paid him. The student instead comes to see us and we are able to get him all his medical bills and wage loss in a no-fault arbitration.

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

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