What is No-Fault?

Minnesota is a no-fault state.  The state requires that every policy of insurance provide a minimum of $20,000 in medical benefits and $20,000 for loss of income, funeral expense, replacement services, survivor’s economic loss and survivor’s replacement services arising out of injury to any one person as a result of an automobile accident. Minnesota Statute §65B.44. Policies on motorcycles may or may not include no-fault benefits.  Medical bills and wage loss are paid as long as the expense is reasonable, necessary and related to the injuries sustained in the automobile accident. The benefits are paid by your own policy of insurance, but if you do not have your own policy, then possibly from the vehicle you were in at the time of the collision, or a family member’s insurance policy.

Wage loss benefits with a standard policy are paid at 85%, but no more than $250 per week.  Minnesota Statute §65B.44. If you choose to stack your policies, you may be entitled to recover more than the standard $40,000 or more in medical benefits and wage loss benefits.  A careful review of the policy will determine the amount of benefits available to the injured person or the family memebers.