Entitled Benefits

Benefits To Which You Are Entitled

Following an automobile accident, you are likely to have many questions and many needs. Here is a brief overview of some benefits that may be available to you under Minnesota’s No-Fault Act. What is No-Fault insurance? Click here to learn about this important information. To better understand each of these, and to know if and how they may apply to you, contact Fullerton Law, P.A. for a free consultation.

Payment of All Medical Bills. Under Minnesota Law, No-Fault Medical expenses are covered up to a minimum of $20,000. If your own automobile insurance covers more than one vehicle, you may have additional coverage called “stacking.”

Open Medical Care. You may be treated by any medical doctor, chiropractor, or other medical professional you choose.

Medical Mileage. For all medical attention you receive, you may have your round trip mileage and other reasonable transportation expenses reimbursed.

Wage Loss. If your doctor disables you from work, or if you miss work to attend medical appointments, you may receive 85% of your lost wages, up to a weekly maximum of $500, in No-Fault Benefits. If you have “stacking” your weekly maximum may be higher. Under Minnesota Law, No-Fault “Wage Loss” and “Replacement Service” expenses are covered up to a minimum of $20,000. If you have “stacking,” you may have additional coverage.

Replacement Services. If your doctor disables you from your routine household tasks, you may be reimbursed the expense of hiring someone else to do them for you. Examples of these types of services are house cleaning and lawn care. Additionally, if you are the “primary homemaker” and are disabled from your homemaking duties, you may be reimbursed the “reasonable value” of your lost services, without incurring the expense of hiring someone else to do them for you. The weekly maximum reimbursed in this type of No-Fault benefit is $200, although “stacking” may increase this amount.

Pain and Suffering Compensation. If another person is at-fault, and you have met one of Minnesota’s threshold requirements, you may make a claim for pain and suffering. Contact Fullerton Law, P.A. to see if you qualify.

Property Damage Recovery. If another person is at-fault, their insurer should pay for all of the damage to your vehicle and other personal property, reimburse your deductible if applied, cover reasonable rental expense, and pay other reasonably related out-of-pocket expenses.