MN Auto Accidents FAQs


FAQs Regarding Minnesota Auto Accidents


Who pays for my medical care if I am injured?

A: Minnesota is a No-Fault automobile insurance state, which means that it doesn’t matter who caused the accident to answer this question. If your injuries result from an auto accident your automobile insurer pays the medical bills (there are some exceptions to this, which should be reviewed with an attorney at Fullerton Law, P.A.).  Click here for more information on no-fault benefits.


What kind of medical care can I receive?

A: Under No-Fault insurance you are entitled to go to any healthcare provider you choose. You may select a medical doctor, chiropractor, or other medical professional of your choice.


Who pays for my property damage?

A: The at fault driver’s insurance company will pay for damage to both vehicles.  If there is a dispute over who caused the collision, consult with Fullerton Law, P.A. for further guidance.


What if I didn’t have auto insurance but still need medical care?

A: You may be entitled to no-fault coverage under the policy of another household member. If you were a passenger in a vehicle, you may be entitled to no fault coverage under the policy covering that vehicle. As a pedestrian, you may obtain coverage from the vehicle which struck you. In certain situations, if no other coverage can be found, you might be entitled to coverage through the Minnesota Assigned Claims Plan. Otherwise, you may need to submit your medical bills to your health insurer.


Why do I need a lawyer?

A: A lawyer will explain and protect your rights. An insurance company’s business goal is to spend as little money as possible, which may be averse to your goal of healing.  You may have to fight your own insurer, as well as the at fault driver’s insurer, to receive all of the benefits and compensation to which you may be entitled.


When should I consult a lawyer?

A: Immediately. Valuable evidence can be lost if you wait. Prompt investigation, photographs, and witness statements are needed to preserve the case. Attorneys take many steps to ensure you receive adequate compensation for your injuries, beginning immediately after the accident.