The state of Minnesota uses a no-fault system for auto accidents. This indicates that all automobile owners possess no-fault insurance or face serious repercussions. These requirements go beyond the standard mandate for liability coverage. However, serious accident injuries exceed the coverage levels in most cases. An Auto Accident Lawyer in Duluth, MN represents victims of serious accident injuries.
Understanding Minnesota Auto Insurance Law
Currently, the liability coverage requirements for Minnesota begin with $30,000 worth of coverage for a one victim accident. The policy pays up to $60,000 when there is more than one accident victim. It must also provide $10,000 for property damage.
As a no-fault state, Minnesota requires personal injury protection as well. These policies provide $20,000 for medical costs associated with the accident. It also provides up to $20,000 for any income lost during the recovery period. The coverage applies to the vehicle owner regardless of which driver is at fault.
What Is Considered a Serious Injury?
A no-fault state restricts the circumstances in which an accident victim files a lawsuit. First, they must meet the requirements of the statute of limitations. The current statute provides a period of two years for filing the claim. Next, the victim’s medical costs must exceed $20,000. Their injuries should present a permanent condition such as a disability, loss of limb, or disfigurement, which must be shown in the medical records. The court may allow pain and suffering based on the extreme nature of the injury.
A Combined Effort Through Civil and Criminal Courts
Accidents that involve criminal infractions such as DUI are connected through the criminal and civil courts most often. The successful conviction in the criminal court for the DUI charge may present a higher probability of a monetary award for the victim. The conviction identifies guilt on the part of the defendant. And the choice to drive while under the influence defines their liability.
In Minnesota, the court manages auto accidents based on a no-fault system, which requires all drivers to maintain personal injury protection in addition to liability coverage. It limits lawsuits to serious injuries only in most instances. Victims of serious auto accidents should hire an auto accident lawyer in Duluth, MN. Contact us today for more information.
