Stephens Law P.A. | Dedicated Advocate for the Injured

Discuss Your Case | 218-260-2562

  • Home
  • About
    • Francis E. Stephens
  • Practice Areas
    • Personal Injury
    • Animal Bites
    • Car Accidents
    • Industrial / Construction Accidents
    • Insurance Coverage Issues
    • Spinal Cord Injuries
    • Traumatic Brain Injuries
    • Wrongful Death
  • Blog
  • Contact
Stephens Law P.A. | Dedicated Advocate For The Injured
  • Home
  • About
    • Francis E. Stephens
  • Practice Areas
    • Personal Injury
    • Animal Bites
    • Car Accidents
    • Industrial / Construction Accidents
    • Insurance Coverage Issues
    • Spinal Cord Injuries
    • Traumatic Brain Injuries
    • Wrongful Death
  • Blog
  • Contact
Email
CALL

Helping You Construct Your Bridge To A Better Tomorrow

Attorney Francis E. Stephens
  1. Home
  2.  » 
  3. Uncategorized
  4.  » 
  5. How does no-fault insurance work after a Minnesota crash?

How does no-fault insurance work after a Minnesota crash?

On Behalf of Stephens Law P.A. | May 31, 2023 | Uncategorized

Every driver in Minnesota is required to have an insurance policy protecting them in case they cause a crash. A portion of an individual’s policy provides them with liability coverage in the event that they are at fault for a wreck. A driver’s liability coverage can also compensate other people for injuries and property damage losses.

However, Minnesota also requires no-fault coverage on every motor vehicle insurance policy. Motorists may find this hybrid insurance model a bit confusing and may not know what kind of claim they need to file after a crash. What role does no-fault protection play after a motor vehicle collision?

No-fault coverage pays for medical expenses and lost wages

The no-fault coverage required in Minnesota is personal injury protection (PIP) coverage. Every driver has at least $40,000 in PIP coverage that applies to them as an individual and any occupants in their vehicle after a crash that leads to injuries. It does not matter who is at fault for the wreck.

Motorists and the occupants of their vehicles will use the driver’s PIP coverage to pay for medical expenses and lost wages after a crash. The $40,000 breaks down into $20,000 of medical coverage and $20,000 of coverage for secondary losses related to injuries, typically in the form of wage placement. People can claim up to their first $20,000 in healthcare costs and also up to their first $20,000 in lost wages, typically paid out in a limited benefit of $500 each week. Once someone exhausts their no-fault coverage, they may then turn to the liability policy of the other motorist or need to consider a lawsuit.

No-fault coverage often isn’t enough

Healthcare costs have risen dramatically in recent years. While cutting-edge trauma care can make all the difference for someone’s recovery, it can also leave people with hospital bills that are far higher than the amount of insurance coverage available after a serious crash.

Drivers who understand the basics of no-fault and liability coverage may be in a better position to protect themselves after a crash and to seek compensation based on the injuries that they incur. Seeking professional legal advice may be necessary for those who are coping with sizable injuries and are unsure of how to cover their expenses after a Minnesota car crash.

Recent Posts

  • Understanding no-fault insurance: A guide for drivers
  • What to do after a pedestrian accident: A step-by-step guide
  • The danger of distracted drivers in Duluth
  • The afternoon commute home can be a dangerous drive
  • Why some Minnesota crosswalks are more dangerous than others

Archives

Categories

  • Distracted Driving Accidents
  • Firm News
  • Motor Vehicle Accidents
  • Uncategorized

RSS Feed

Subscribe To This Blog’s Feed

Get A Proven Legal Champion By Your Side

Schedule A Free Consultation

Stephens Law P.A. | Dedicated Advocate for the Injured

Contact The Office

Office Address

11 East Superior Street
Suite 562
Duluth, MN 55802

  Duluth Law Office

Office Address
14 7th Avenue N
St. Cloud, MN 56303

  St. Cloud Law Office

Phone Number

218-260-2562

Social Media
  • Follow

© 2025 Stephens Law P.A. • All Rights Reserved

Disclaimer | Site Map | Privacy Policy | Business Development Solutions by FindLaw

Leave A Review
Leave A Review

© 2025 Stephens Law P.A. • All Rights Reserved

Disclaimer | Site Map | Privacy Policy | Business Development Solutions by FindLaw