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. Since 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 in order 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 for 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 are entitled to are listed below:
- Wage loss benefits
- Medical treatment bills
- Replacement services
- Survivor benefits
- Termination of No-Fault benefits