Were you injured in a car accident in Minnesota? You may be entitled to compensation through the at-fault driver’s (or your own) insurance policy. An experienced Minnesota car accident attorney at Hall Law Personal Injury Lawyers can help you seek a maximum recovery. Call (800) 292-1979 for a free consultation.
Minnesota’s auto insurance laws can be confusing, especially after a serious accident. Understanding how insurance coverage works, what benefits may be available, and when you may have the right to pursue additional compensation can help you make informed decisions and protect your financial recovery.
Why Choose Hall Law Personal Injury Attorneys to Handle My Minnesota Car Accident Case?
Insurance companies are skilled at protecting their own bottom line, often at the expense of injured accident victims. At Hall Law Personal Injury Attorneys, we level the playing field. Our legal team understands Minnesota’s insurance laws and knows how to hold insurers accountable when they undervalue or deny legitimate claims.
Clients in Minnesota choose our Minnesota personal injury lawyers because:
- We have decades and decades of combined experience in personal injury law.
- We have a successful track record that includes tens of millions recovered for injured clients
- We examine insurance policies to identify every source of compensation available to you
- Every client of ours gets one-on-one attention
- We work on a contingency fee basis and only collect attorney fees if we win.
Call today to speak with a Minnesota car accident attorney who can help you navigate the insurance process after a crash.
Minnesota Is a No-Fault State
Minnesota operates under a no-fault car insurance system. Under this framework, injured drivers first turn to their own insurance policy for compensation after a crash, regardless of who caused the accident. This first-party coverage is provided through Personal Injury Protection (PIP), which Minnesota law requires all drivers to carry.
No-fault coverage provides quick medical care and wage replacement, but these benefits are capped. To step outside a no-fault system and sue the at-fault driver for pain and suffering, your injuries or medical expenses must cross a specific legal threshold of severity set by state law.
Car Insurance Requirements in Minnesota
Minnesota law requires all drivers to carry a minimum level of insurance coverage.
Current mandatory minimums include:
- Personal Injury Protection (PIP) – $40,000 per person per accident (divided evenly between medical expenses and income loss)
- Bodily injury liability – $30,000 per person and $60,000 per accident
- Property damage liability – $10,000 per accident
- Uninsured & Underinsured Motorist coverage (UM/UIM): $25,000 per person and $50,000 per accident.
Many drivers choose to purchase coverage beyond these minimums to better protect themselves in a serious crash.
Common optional coverages available in Minnesota include:
- Collision Coverage pays for damage to your own vehicle regardless of fault.
- Comprehensive Coverage covers vehicle damage caused by events other than collisions, such as theft, weather, or vandalism.
- Medical Payments Coverage supplements PIP benefits and may cover medical expenses not otherwise addressed by your primary health insurance.
Higher coverage limits and additional protections are generally worth the added premium cost, particularly for serious or catastrophic accidents.
What Types of Compensation Can I Recover Through Car Insurance?
The compensation available to you after a Minnesota car accident depends on which type of claim you are pursuing.
Through your own PIP coverage (first-party), you may recover:
- Reasonable medical expenses related to the accident
- A portion of lost wages if your injuries prevent you from working
- Replacement services for household tasks you are unable to perform
- Funeral expenses in the event of a fatal accident
Through a third-party claim against the at-fault driver (when the injury threshold is met), you may recover:
- Medical expenses beyond what PIP covers
- Full lost wages and reduced future earning capacity
- Pain and suffering
- Emotional distress
- Permanent disability or disfigurement
- Loss of enjoyment of life
If the at-fault driver is uninsured or underinsured, your own UM/UIM coverage may step in to fill the gap.
If you lost a loved one in an accident, you may be entitled to additional damages through a wrongful death claim. These include funeral expenses, lost companionship, and loss of financial support, among other things.
An experienced car accident attorney can review all applicable policies and identify every available source of compensation.
Contact a Minnesota Car Accident Attorney for Help With the Car Insurance Claims Process
Hall Law Personal Injury Attorneys is here to help you navigate your car accident claim. We’ll help you pursue compensation from all available sources — PIP and beyond — and ensure you have the resources you need to move forward after the crash.
Contact our office today to schedule a free consultation with an experienced Minnesota car accident attorney.