Every owner of a motor vehicle in Minnesota is required by law to purchase and carry no-fault insurance.  As a result, any person suffering an injury “arising out of the maintenance or use of a motor vehicle” has the right to collect basic no-fault insurance benefits.  Typically, you collect these benefits from your own automobile insurance company regardless of who is at fault for causing the injury.  Any owner who ignores the law and fails to insure their vehicle however, would not be entitled to these benefits.

Before January 1, 2015, every no-fault policy in Minnesota was required to provide the following minimum benefits:

  • Medical Expense Benefits:  $20,000 for all medical expenses and mileage to and from medical treatment;

  • Income Loss Benefits:  $20,000 for income loss, or self-employed, to hire replacement help.  This benefit was limited to 85% of the loss with a maximum of $250/week;

  • Replacement Services Benefits:  $10,000 for hiring home replacement services, with a maximum of $200/week.  This benefit does not begin until seven (7) days after the accident;

  • Survivor’s Benefits:  In the event of a death, survivor’s benefits coverage up to $20,000, with a maximum of $250/week; anD

  • Funeral Benefits: In the event of a death, up to $2,000 for funeral expenses.

Beginning January 1, 2015, the Minnesota legislature has mandated an increase in the weekly maximum benefits and the amount available for funeral benefits.

  • The maximum weekly wage loss benefit increases from $250/week to $500/week.

  • The maximum weekly survivor’s benefit increases from $250/week to $500/week.

  • The maximum funeral expense benefit increases from $2,000.00 to $5,000.00.

While the total maximum benefits have not increased, the increase in the weekly maximums will make a significant difference for an individual or family that is out of work due to motor vehicle crash related injuries.  For a family that has lost a loved one, the increases in weekly survivor benefits and maximum funeral expense will help ease the financial hardship associated with such a loss.

If you have been involved in a car accident or have any questions regarding what no-fault benefits are available, call one of our experienced lawyers for a free consultation.