What is a no-fault claim?
Prior to 1974, people injured in automobile accidents were paid for their medical bills and their wage loss only when their case was resolved - which often took several years. Because many of the automobile crash injury victims were unable to work due to their injuries, the Minnesota Legislature passed the Minnesota No-Fault Act in 1974 to provide more timely benefits. [Minnesota Statutes 65B.41-65B.71]
The Act provides that persons suffering injuries "arising out of the maintenance or use of a motor vehicle," regardless of their fault or innocence, could quickly and easily recover "economic loss" benefits from their own insurance company.
No-fault insurance provides payment of up to $20,000 in reasonable and necessary medical expenses and up to $20,000 in wage loss and replacement services. No-fault medical/wage loss benefits coverage is used for passengers, pedestrians, and drivers who are or are not at fault in an accident.
The No-Fault benefits that you (or a loved one) are entitled to are:
- Wage loss benefits
- Medical treatment bills
- Replacement services
- Survivor benefits
- Termination of No-Fault benefits