What is No Fault Insurance and Why Should I Care?

Robert Edwards Nov. 14, 2012

As most people are aware Minnesota has mandatory no-fault automobile insurance. But what exactly does that mean? What it doesn't mean is that it doesn't matter whose fault the crash was. Fault is still an important issue in any personal injury claim, but where the "no-fault" part kicks in has to do with where you turn in your accident-related medical expenses or wage loss related expenses.

Under Minnesota law, if you are injured in a car accident and even if the crash is 100% the fault of someone else, in almost every case you submit your medical bills or wage loss expenses to your own insurance company, which pays them and (in 99% of the cases) does not go to the at fault driver's insurance company to get the money back.

The good news is that your premiums will not go up no matter how much you get in benefits, as long as the crash wasn't your fault.

So, you have been paying premiums all long for about $20,000 in medical expense benefits and about $20,000 in wage loss related expenses. If you are injured in an accident and have medical bills or wage loss you need to turn that stuff in directly to your own insurance company. And more good news; there is usually no deductible and no copayments on medical expense benefits under your auto policy. And you don't need to get preapproval.And if you get injured in a car accident while in the course and scope of your employment, you have two claims, the workers compensation claim and the no-fault claim. You might also have a claim against the other driver. If you'd like to talk to workers compensation lawyer, I would highly recommend that you check out this link: