Minnesota No-Fault and Auto Injuries
In Minnesota, auto insurance is no-fault, meaning any driver or passenger involved in a motor vehicle accident has a right to payments from the applicable insurance company for basic economic loss, including medical expenses, income loss and replacement services loss.
According to the Minnesota No-Fault Automobile Insurance Act, insurance companies covering automobile accidents in Minnesota must “provide for a minimum of $40,000 for loss arising out of the injury of any one person, consisting of: (1) $20,000 for medical expense loss arising out of injury to any one person; and (2) a total of $20,000 for income loss, replacement services loss.” (Minn. Stat. Sec. 65B.44,a). This is minimum coverage. Depending on your policy, you may have additional coverage.
Cost of treatment in our office is covered 100% by your insurance in almost all cases, meaning no out-of-pocket expense for you if you allow us to bill your insurance directly. We are happy to do all the paperwork for you, letting you focus on your health and recovery. By allowing us to direct your rehabilitation, we are also able to make referrals out for additional services, such as X-Ray, MRI, Physical Therapy and Massage Therapy.