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Please explain the MN No-Fault coverage?

What is MN No-Fault?

Effective January 1, 1975, the Minnesota No-Fault Automobile Insurance Act came into existence. The basic premise behind the Minnesota No-Fault Automobile Insurance Act is that anyone owning a car in the State of Minnesota is required to carry insurance to cover their own medical expenses, wage loss and other economic losses arising out of an automobile accident. The injured person's own insurance company will pay such person medical expenses, wage loss and other economic losses regardless of who was at fault in causing the accident.  Filing a claim under the No-Fault portion of your insurance does not affect you motor vehicle insurance rates as there is no party deemed at-fault.

When are, and who is, covered?

If the accident causing injury occurs in this state, every person suffering loss from injury arising out of the maintenance or use of a motor vehicle or as a result of being struck as a pedestrian by a motor vehicle, has a right to basic economic loss benefits i.e. medical expenses, wage loss, etc. No distinction is made between residents and nonresidents.  For all persons suffering loss from Minnesota automobile accidents, benefits will be payable.

If one is insured under a Minnesota No-Fault automobile insurance policy, the policy provides coverage for accidents occurring outside the State of Minnesota, in the United

States, United States possessions or Canada.

Where can I learn more?

2010 Minnesota Statutes 65B.41 Citation Sections 65B.41 to 65B.71 may be cited as the "Minnesota No-Fault Automobile Insurance Act."  This is in no way a complete or legal representation of the entire law.  It is meant as a basic starting point for you to determine what questions you need to ask and how important they are.

Why do I need to know this?

If you have been involved in an accident and don't seek treatment in a timely manner, you may lose you option to use these benefits.  Like cavities, minor injuries won't just go away.  They may be tolerable for a time but eventually will need to be fixed.  How long you wait will often times determine how extensive, costly and painful the damage and subsequent repair will be. 

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