Albert Lea Car Accident Lawyer
Minnesota follows a no-fault rule when it comes to car accidents; generally, an injured driver will file an insurance claim against his or her own auto insurance policy for personal injury protection or no-fault coverage. Albert Lea, MN drivers need to carry the minimum insurance coverage amounts required by law and know their options if a claim can’t cover an accident. The right attorney can make a tremendous difference in the outcome of a car accident claim in Albert Lea, MN. Contact our office today if you have any questions regarding a case and what we can do for you.
Why Do I Need a Lawyer?
The personal injury attorneys at Knutson + Casey have a strong record of successful cases in a variety of practice areas. We understand that no two car accidents are alike and insurance isn’t always enough to cover the damage. Our legal team has experience dealing with difficult insurance adjusters and negligent drivers. We put the full range of our experiences and resources at the disposal of our clients in every case and are not afraid to go through mediation, arbitration, or litigation to secure our clients’ recoveries.
When Albert Lea, MN drivers suffer damages that exceed the scope of available coverage, they need to know their options to avoid paying for another driver’s negligence. We take a personalized approach to legal representation and get to know every client, including how their claims have affected their lives. The first step in recovering compensation for your damages after a car accident in Minnesota is determining the at-fault party and how far insurance can go.
Minnesota Car Accident Laws
Minnesota drivers must carry the minimum insurance coverage required by law. After an accident, all the drivers involved would refer to their own insurance coverage to address their damages. However, if a driver’s personal injury protection or no-fault coverage cannot pay for the driver’s damages, he or she will need to pursue a claim against an at-fault driver’s liability coverage.
In Minnesota, every driver must carry auto insurance that includes:
- At least $20,000 for medical expenses and $20,000 for nonmedical expenses in personal injury protection. Every policy must allow for at least $40,000 in combined coverage per person, per accident.
- $30,000 or more in liability coverage for bodily harm to one person in an accident the policyholder caused.
- $60,000 or more total accident coverage or injuries to two or more people in an accident the policyholder caused.
- At least $10,000 in property damage liability coverage.
- Underinsured motorist coverage of $25,000 or more for injuries to one person in an accident and $50,000 or more for injuries to two or more people. This type of coverage applies when a driver’s personal injury protection runs out and the at-fault driver does not have enough insurance coverage to pay for the injured driver’s damages.
- Uninsured motorist coverage that meets the same 25/50 coverage as the policyholder’s underinsured motorist coverage. This coverage applies when an injured driver’s personal injury protection is insufficient and the at-fault driver does not have insurance.
Minnesota’s minimum auto insurance coverage requirements are relatively extensive with the aim of reducing the number of lawsuits arising from car accidents. Ideally, drivers involved in an accident can file insurance claims that settle the matter quickly for everyone involved. However, some circumstances may require additional legal action beyond insurance coverage.
Qualifying for a Car Accident Lawsuit in Minnesota
Minnesota law only allows an injured driver to file a lawsuit against an at-fault driver if the plaintiff sustained more than $4,000 in medical expenses, disability lasting 60 days or more, or some type of permanently disfiguring or disabling injury. After such an event, an injured driver can rely on an experienced Albert Lea, MN personal injury attorney to recommend the best options for legal recourse.
The attorneys at Knutson + Casey have extensive experience with car accident claims in Minnesota and we want to hear your story. If you or a loved one recently suffered severe injuries in a car accident in the Albert Lea area and don’t think insurance will cover your damages, contact us today to schedule a free case consultation. Once we evaluate your claim we can let you know if your claim qualifies for legal action against the at-fault driver and what to expect from a lawsuit