Minnesota Car Accident Lawyers

Better Results in Auto Accident Cases

When it comes to top results in car accident cases, our lawyers have been recognized, over and over again, as state-wide leaders.  This recognition is backed up by results.  In “apples to apples” comparisons, our auto accident lawyers simply tend to do better than anyone else.  A comparison review of top results in auto accident cases bears this out. Click here to see data on top results.  

In addition to our proven track record of success securing top results, our personal injury lawyers are also experts in helping clients navigate through the hassles and paperwork that follow a car accident.  We answer your questions, provide advice, and help negotiate for the very best result. 

Car Accident Reference Materials

Car Accident Damages Recovery

There are typically three primary sources of recovery for injuries suffered in car accidents. These sources include: 

  1. No-fault insurance 
  2. Liability insurance covering the person(s) who caused the accident 
  3. Underinsured motorist coverage

No-Fault Insurance

Minnesota law requires insurance companies to provide no-fault auto insurance as a part of every automobile insurance policy insuring a motor vehicle registered or principally garaged in Minnesota. No-fault insurance provides certain basic insurance benefits to all people who are injured in automobile accidents regardless of whose fault caused the accident.

 

Benefits recoverable under the No-Fault Act include:

 

  1. Medical expenses
  2. Income loss and replacement services
  3. Benefits for the family of someone killed in a car accident

Liability Insurance

If you have been injured in a car accident, in addition to recovering no-fault benefits, you may have a claim against any person whose negligence caused the accident. In plain language, roadway negligence is typically nothing more than a driver doing something wrong that results in a crash.

 

Courts look to a number of factors in determining whether a driver was negligent. Some examples of these factors include, but are not limited to, the following:

  • Distracted driving (example: texting while driving)
  • Driving too fast or too slow
  • Driving under the influence of drugs or alcohol
  • Failing to signal while turning
  • Disregarding weather or traffic conditions
  • Disobeying traffic signs or signals

 

The claims against the person who negligently caused the accident are normally covered by liability insurance — either the driver’s or the car owner’s liability insurance. If neither the driver nor the owner has liability insurance, the injured person’s uninsured motorist insurance pays any damages owed by the uninsured driver. 

Underinsured Motorist (UIM) Insurance

Insurance companies sell UIM insurance to Minnesota drivers. When an auto insurer sells UIM insurance, they are essentially telling their customer: “You pay us regular insurance premiums, and if you get hurt in a crash where the other driver doesn’t have enough insurance to cover your damages, we’ll cover them.”  

 

What the auto insurance companies typically do not focus on is that when there is a crash and the other driver doesn’t have enough liability insurance to cover your damages, your auto insurer is free to deny your claim for UIM insurance. In these cases, which are quite common, an injured customer’s only recourse against their auto insurer is a lawsuit.

 

The attorneys at Hall Law P.A. are experts at litigating UIM insurance claims, and have enjoyed decades of success against auto insurers who refuse to honor the insurance policies they’ve sold. We have enforced our client’s UIM rights against auto insurers such as: 

  • American Family Insurance
  • State Farm Insurance
  • Farmers Insurance
  • MetLife
  • Allstate
  • Progressive
  • Travelers Insurance
  • And more

Effect of a traffic law violation

Violation of a traffic law is negligence, unless there is evidence tending to show:

  1. The person had a reasonable excuse or justification for breaking the law, or
  2. A reasonable person could believe, under the circumstances, that violating this law would not endanger anyone who should be protected by the law.

 

If a person offers an excuse or justification for breaking the law, you can still find that person negligent. In deciding negligence, consider the violation along with all the other evidence in the case.

 

If a traffic law was violated, you must also decide if this violation was a direct cause of the accident.

Work With an Experienced Car Accident Attorney

If you, or a loved one, have been injured in a car accident, the dedicated and caring attorneys at Hall Law can help. Our law firm has more than 35 years of experience representing people who have been injured in car accidents.