Minnesota has a no fault car insurance system. If you have not needed to use your car insurance, you may not know exactly what this means for you if you are involved in a collision. After you are in a car wreck, you may have many questions about what your insurance pays.
What Does No Fault Insurance Cover?
No-fault insurance in Minnesota is personal injury protection, PIP coverage. Your PIP will pay for your medical treatment and other out-of-pocket losses due to a car crash up to your policy limits regardless of who caused the wreck.
Those who are covered under your PIP insurance include the following:
After you have a car wreck, you must file a claim with your own insurance company. Your PIP will pay reasonable medical expenses sustained by you and the other persons in your car who are covered by your PIP. PIP does not pay for vehicle damage.
Your PIP would also pay certain non-medical expenses including loss of income and transportation costs to medical appointments. It may also pay a loss of business income if you are self-employed.
You are eligible for the cost of replacement services. These are expenses you pay to someone to do what you would have normally been able to do had you not been injured, including homemaker duties that are your primary responsibility.
Can My Claim Be Denied?
No fault insurance disputes are more common than you might think. For example, insurers may and often do attack physical therapy and chiropractic treatments, claiming only the symptoms are being treated. You are entitled to payment of reasonable charges for necessary treatment. If treatment benefits you then it was reasonable and necessary. Claims adjusters may use a variety of arguments to dispute that the crash really caused the injuries you claim.
Confusion and frustration surrounding insurance payments for medical bills, property damage, and loss are common following a car wreck, especially when considering no fault laws and thresholds. Your best alternative is to meet with the personal injury attorneys of Bolt Hoffer Boyd Law Firm to discuss your case and receive guidance on how you can best proceed. Do not wait until your insurance company denies your no-fault insurance claim. Delay can result in a significant disadvantage.