Phone: 507-285-5350
Toll-Free: 1-877-285-5350
302 Ironwood Square
300 Third Avenue S.E.
Rochester, MN 55904
Phone: 507-285-5350
Toll Free: 877-285-5350
Fax: 507-285-5165
All owners and drivers of motor vehicles (not motorcycles) in Minnesota are required to have Minnesota No-Fault Auto Insurance. All motor vehicle accidents in Minnesota should be covered by the Minnesota No-Fault Law. The Minnesota No-Fault Law pays Medical/Rehabilitation Expenses and Non-Medical Expenses (lost income and replacement services) caused by a motor vehicle accident up to a policy limit (usually $20,000 for each coverage) regardless of who is at fault. These out-of-pocket expenses -- often referred to as No-Fault expenses or Personal Injury Protection (PIP) expenses -- are paid by your insurance company – just like medical insurance.
General Principles
A. Paid by your own auto insurance company regardless of fault.
B. Covers specific Medical/Rehabilitation Expenses and Non-Medical Expenses.
Incurred as a result of personal injury or death.
Arising from the maintenance or use of a motor vehicle.
Minimum policy limits = $20,000 for each coverage.
If you are injured in a motor vehicle accident, you may be entitled to
No-Fault benefits including:
Treatment expenses including chiropractic and prescription.
Mileage to and from treatment appointments.
Professional counseling, education, and retraining if disabled from work.
2. Non-Medical Expenses
Loss of Gross Income equaling 85% to maximum of $250/week.
Replacement Services to a maximum of $200/week beginning 7 days after
the accident including:
Housecleaning
Lawn mowing, and
Household services
Funeral Expenses to a maximum of $2000.
C. Does not include property damage or pain and suffering.
To make a claim for pain and suffering and other Non-economic losses, you
must meet one of the No-Fault thresholds.
No-Fault Thresholds
1. $4,000 in treatment expenses, OR
2. 60 days inability to work or perform your normal daily activities, OR
3. A permanent injury or disfigurement, OR
4. Death
D. In addition to No-Fault benefits, you may be entitled to non-economic
losses including:
1. Past pain and suffering.
2. Future medical expenses.
3. Future lost earning capacity.
4. Future pain and suffering.
There may be several layers of insurance coverage and several insurers involved in your case including:
No-Fault insurance (Link)
Liability insurance
Underinsured motorist coverage (UIM)
Because No-Fault and other auto insurance coverages are complex, you need experienced lawyers on your side. At Kauffman Law Firm, we have been working for injured persons and their families for over 30 years. We’ve helped many persons who have been injured as a result of motor vehicle accidents that involve No-Fault and other auto insurance coverages. We bring passion and preparation to provide personal service beyond expectations. Read More: Layers of Auto Insurance Coverage
If you or a loved one have been injured in a motor vehicle accident, you need to concentrate on one thing -- getting on with your life. Let our experienced team handle the insurance paperwork including claim forms, reports, and requests for statements. Read More: What To Do In Case Of An Injury.
We offer a free consultation, so you have nothing to lose by contacting us first.
Tell us about your motor vehicle accident so that we may answer your questions and guide you through this difficult time. For a free consultation:
Complete our form, or
Call us at 507-285-5350 or 877-285-5350
Other related topics on this website:
Read More:
Iowa and Wisconsin: Non No-Fault States
Layers of Auto Insurance Coverage