What is Minnesota No-fault?

The Minnesota No-fault Act was passed in 1974. Although there have been many changes to the law since then the basics have remained in place. Many people don’t have a sense of what no-fault means until they are injured in an accident. It is at that time that they realize that their own insurance company will be paying the medical bills and wage loss not the at fault driver. Before no-fault many injured people were stuck finding a way to pay there medical bills while waiting for their case against the negligent driver to settle, sometimes years down the road. Theo-fault Act was meant to solve that problem by providing immediate payment of medical bills as long as the treatment was reasonable, necessary and caused by the auto collision.

In 1974 the law had a minimum required medical coverage of $20,000. Unfortunately, that minimum has remained the same since then making the limits inadequate in today’s world for serious injuries. Minnesota law requires payment for nearly every type of treatment including chiropractic, massage, acupuncture, therapeutic injections, physical therapy and most other treatments. The law does not require a referral from your doctor in order to explore reasonable treatment.

Other covered no-fault expenses include funeral and dependent loss of income in wrongful death cases and replacement services costs. Replacement services are those which an injured person cannot perform due to an injury. This usually involves household chores. If you have been injured in a collision cal Simmonds & Wright LLC. We have been practicing in this area for over 30 years. On hilltop in Mankato, MN, 345-4543.