Minnesota is one of the few states that have a no-fault system when it comes to car accidents and insurance. The reason why this system exists is for the purpose of cutting back on lawsuits and to keep insurance premiums low.
In Minnesota, every driver is required to carry Personal Injury Protection, or PIP. This is an insurance type that covers medical and mechanical expenses in case there is an auto accident and it doesn’t matter who was at fault.
If you are in an accident, then the insurance company will want you to have an Independent Medical Exam, or IME, in order to downplay the injuries so they don’t have to pay the amount that you need for the monetary damages you have sustained. This is why it is important to have a Minneapolis personal injury attorney by your side.
Helping You Recover Meaningful Compensation
It is very important to recover meaningful compensation so you can pay expenses after an accident. If you can’t pay all of your expenses, the difference between the cost and the actual money you receive is going to come out of your pocket. If you are injured in a way that prevents you from being able to work, then you may not have the money to make up the difference.
When seeking compensation, the following are considered non-economic damages:
- Physical and emotional suffering
- Loss of companionship if a loved one was killed in the accident
- Reduced quality of life
It is the economic damages, such as medical costs and the cost of the vehicle damage that the insurance company considers.
Using Minnesota Law To Help You
Minnesota law knows that the payments the insurance company may be willing to pay you may not be enough to help you recover from your injuries. This is why you need to contact a Minneapolis injury attorney who can help you recover compensation for medical expenses and other applicable costs. Sometimes the medical costs may be short-term, but long-term medical costs can add up over time to be an amount that the victim is unable to pay. When an accident is not your fault, you shouldn’t have to pay more consequences than you already are.
Contact A Minneapolis Personal Injury Lawyer
Minnesota is a no fault state, which means that fault is not necessarily determined in a car accident. In other words, it falls onto your insurance company to offer you a meaningful settlement. However, you can pursue the additional compensation needed to pay the accident-related costs. To learn more about your rights and options, call the Olson Law Firm at 612-816-2322 to schedule a free consultation.