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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.

An older immigrant with English as a second language is in a motor vehicle accident. He is offered money from his insurance company in what is called an initial medical settlement. But the release they have him sign is to settle his entire case. He comes into our office to help read through the release. From his initial explanation, he has no interest whatsoever in settling his medicals considering he has had no priors and is now dealing with two broken bones. The no-fault company is contacted and it turns out they made a mistake in sending out the wrong release.

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


  1. Gravatar for Thomas Bergel

    When the insurance company says you don't need to talk to an attorney...You need to talk to an attorney.

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