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This month, we will be looking at the issue of what claims are available in a Minnesota collision. We have used real examples from stories in the recent news as a basis for the discussion. What claims are available is not always obvious and a very good reason why you should take advantage of meeting with an experienced personal injury lawyer to understand all of your coverages. The insurance company may seem to be treating you correctly, but they don't represent you. They also are not lawyers, so don't take your legal advice from them.

An out of state teen driver runs a stop light and hits three other cars in Redwood Falls. The medical bills will be paid through no fault for all the Minnesotans with auto insurance. The out of state policy will be looked at for liability and will need to be at least $30,000 or the vehicle will be considered uninsured in Minnesota. If uninsured, each of the passengers will look first to the vehicle they are in for coverage. They will be able to receive additional UM coverage only if they have greater personal coverage than the car they are in. For those in the teen's vehicle, even if they are relatives, they will be able to make a claim for liability coverage.

The stories that are used are just examples. Each case is different and it is important to make sure that you get individual advice for any collision you are involved in. For each of those who were injured in the examples and for the the family and friends of those who were killed, our hope goes out that you are getting the medical and emotional help that you need.

If you, your family, or someone you know is in an accident, it is worth taking the time to sit down and talk to an experienced law firm with success in helping people who are injured through no fault of their own. The consultations are free and it allows you to figure out what rights you have after an injury.

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