St. Cloud Uninsured/Underinsured Motorist Coverage Lawyer
At Stephens Law, P.A. we receive a lot of questions about insurance coverage because we are a personal injury law firm in Minnesota. There are certain laws in the state regarding coverage for vehicles, property damage, and other insurance-related matters. If you were injured in an auto accident, at work, or experienced any other type of injury in St. Cloud, Duluth, or anywhere in the state of Minnesota, you have an insurance dispute attorney you can reach out to before you sign any paperwork or make a single decision about your case.
Minnesota No-Fault Automobile Insurance Act
Minnesota is a no-fault state. If you are injured in a car or truck accident in Minnesota and you are insured, you will be entitled to benefits through the no-fault insurance, even if you were deemed the negligent party in the accident. Usually, no-fault insurance coverage provides for “reasonable and necessary” medical costs in the amount of $20,000 in car accidents and motor vehicle accidents. You will notice when looking at your insurance policy that the no-fault insurance is called “Personal Injury Protection, or PIP” coverage. These “reasonable and necessary” expenses under Minnesota’s no-fault automobile insurance act include:
- Prescription drugs
- Medical treatment, such as dental work, x-rays, surgery, prosthetic arms or legs, chiropractic treatment, and rehabilitation
- Traveling expenses to receive medical care, such as ambulance services
- Nursing and hospital services, including extended hospital stays or stays in medical facilities
The PIP coverage also provides lost wage benefits in the amount of $250 per week.
When Treatment Exceeds $20,000
If the entire $20,000 or the no-fault limit is reached or the claim is denied in whole or part, the uncovered bills can be submitted to your own insurer. However, it is typical for you to have to submit your claim to the no-fault insurance provider before submitting them to the health insurance company. If health insurance is not available or the claim is denied by the insurer, then it may be necessary to file a personal injury lawsuit against the individual at fault for the accident, as well as their insurance company. These lawsuits can be very complex. You will work with a Duluth car accident insurance dispute attorney who has handled such cases for nearly two decades.
Minnesota Uninsured/Underinsured (UM/UIM) Motorist Coverage
If you or a loved one has been injured by a driver who was driving without insurance or driving without enough insurance, you can file a claim with your own auto insurance company under your uninsured/underinsured (UM/UIM) policy. This type of coverage provides victims with the amount of coverage purchased. Unfortunately, even accident victims’ own insurers try to deny their claims. This is why you should contact Stephens Law P.A. as soon as possible in order to seek compensation.
In a car accident, the property that is damaged is the car or its contents. If the other driver is the cause of the accident, then it is the responsibility of his or her insurance company to pay for the damage without you having to pay a deductible. Even if you do not have collision coverage, they must still pay. If you were partially at fault, the other driver’s insurance company will only pay for the damage that was the fault of the other party.
The bottom line is that the rules must be followed, as they are basic. However, the facts involved in the car or truck accident will have an influence on the insurance benefits that are collected and when they are collected. The most important rule of thumb is to never give a statement to the insurance company for the other driver without talking to your attorney first. You also don’t have to deal with insurance adjusters without your attorney.
Contact A Duluth And St. Cloud No-Fault Insurance Claim Lawyer
Sometimes the insurance companies can be very difficult to deal with when it comes to getting the money needed to pay for medical costs, property damage, and other compensation for damages sustained in an accident. At Stephens Law, P.A. you can count on having a powerful advocate. To schedule a free consultation, call the Duluth office at 218-625-4200, the St. Cloud office at 320-310-4219, or call toll free at 877-310-4219. Evening and weekend appointments are available.