Injuries from car accidents are traumatic events - the last thing an accident victim needs to be worrying about is how they're going to pay their medical bills. Minnesota residents can rest at least somewhat easy. Under auto accident law in Minnesota, your insurance company is required to pay the costs of medical bills, property damage, and loss of wages, among other things. This is a system that many states use, called no-fault law. Unfortunately, there are limits on this coverage, and understanding exactly how no-fault law works is important in the event of an accident-related injury.
The no-fault auto accident law in Minnesota has both advantages and disadvantages. The purpose of the system is ultimately to prevent excessive litigation between parties in an accident. This saves everyone the hassle of costly legal fees and hours spent in court. In theory, the insurance company should cover the costs incurred in the accident, meaning neither party needs to sue another for additional money. However, insurance companies don't always have the best interests of their clients in mind, and this can sometimes lead to trouble, and the need for a lawyer.
You may also need to obtain the services of a law professional in the event of especially severe injuries. Sometimes, the costs of medical bills, property damage, lost wages or the emotional damage due to permanent disability or disfigurement exceed what an insurance company will pay. In these cases, you may be entitled to filing a lawsuit against a party whose negligence caused the accident. If you feel that this is the case, it's recommended to contact a lawyer to help you understand the intricacies of auto accident law in Minnesota.
In order to successfully sue for damages, you need to be able to prove not only that the accident was caused by the other party's negligence, but also that you weren't at fault for the accident. If it can be established that you were 51% or more responsible for the accident, you suit will be thrown out and you'll receive no damages. This is due to the auto accident law in Minnesota known as Comparative Fault.
In order to establish fault, it's important to record as much information as possible at the time of the accident. Make sure that a police report is filed, as the testimony of witness of the accident can be important in establishing fault. It's very important that you don't sign any documents that aren't given to you by a police officer. Sometimes, doing so can waive any rights you have to a claim.