No Fault Insurance

Mankato Auto Accident Lawyer & Attorneys


Minnesota is what is called a “no-fault insurance” state. What this means is that drivers involved in automobile accidents will receive payments from their own insurance company. These payments are to cover medical expenses, income loss, and other compensation as specified by the insurance policy. It doesn’t matter who is at fault for the accident.

If death occurs in the accident, the insurance policy is to pay for funeral expenses, any medical expenses that may have been incurred, and the loss of support experienced by the surviving family members.

To know exactly what your insurance policy covers, you will need to refer to state statutes and your policy. This will tell you what you can expect your insurance company to pay. However, the settlements that are offered by insurance companies are usually not what they should be. The insurance company tries to reduce the impact on their bottom line by offering the smallest settlements possible. Your Mankato personal injury attorney, on the other hand, can pursue maximum compensation. It is also possible to pursue additional monetary compensation from the insurance company of the person who was at fault in the accident.

Recovering Maximum Compensation

The Minnesota No-Fault Automobile Insurance Act states that an insurance company must cover an accident at no less than $40,000 for losses that result from a person’s injuries. This breaks down to $20,000 in medical, and $20,000 in lost income and other losses. Because the losses that can be incurred in an automobile accident can well exceed the amount of the individual coverage, individuals will typically purchase additional coverage to ensure they are taken care of.

However, there are times when the insurance company offers a settlement that is much less than what a person needs. The insurance company may make claims like unreasonable or unnecessary medical treatment. When this occurs, you need a Southern Minnesota personal injury lawyer to help you so that the insurance company pays what you should be receiving. If the insurance company refuses to pay for reasonable wage loss and medical claims, the non-payment can be disputed through a simple arbitration proceeding.

Pursing Claims Against The Other Driver

When another driver is at fault in the accident, additional claims may be able to be made. This is where pain and suffering, emotional distress, and disfigurement can be claimed. Your attorney will utilize every possible avenue in order to recover the compensation that you deserve. Determining who is at fault and why is what your attorney will do in order to build a strong case for you.

Contact Our Mankato Personal Injury Lawyer

Minnesota is a no-fault state, which means a car accident victim can make a claim against their own insurance. However, there are times when that is not enough and a claim needs to be made against the responsible party’s insurance. When that is the case, it is best to have an experienced attorney by your side. To learn more about how you can obtain the compensation you need to pay for your accident-related costs, call Simmonds & Wright at 507-345-4543 to schedule a free consultation.