Austin Car Accident Lawyer
Minnesota follows a no-fault rule for car accidents with the goal of limiting the number of personal injury claims arising from car accidents. Usually, drivers who sustain losses in an Austin, MN car accident must file a claim against their own auto insurance policy for recovery.
However, some circumstances require a driver to file against an at-fault driver’s liability coverage or pursue a personal injury claim. Hiring an experienced Austin, MN car accident attorney can make a big difference in recovery after an accident. If you’ve recently been involved in a motor vehicle accident in Albert Lea, MN and are seeking the legal advice of an experienced attorney, contact our office today to schedule a free consultation today.
Do I Need a Lawyer After a Car Accident?
While the no-fault rule exists to limit the number of lawsuits arising from car accidents in Minnesota, injured drivers still have the right to pursue a legal claim if their damages meet the state’s threshold for a personal injury lawsuit. An attorney can also help with insurance issues, including drafting demand letters, handling correspondence with insurers, and addressing discrepancies with claims adjusters’ findings. An attorney can help an injured driver get the most out of an insurance claim and explore his or her other options for legal recourse against a negligent driver.
The attorneys at Knutson + Casey have years of experience handling all types of civil claims for our clients throughout Minnesota. We have a vast breadth of legal experience to draw from and understand that car accident claims in Minnesota can be confusing and challenging. Our attorneys take time to get to know every client and how his or her claim has affected various parts of his or her life. We work to maximize our client’s recovery in every situation and aren’t afraid to pursue litigation when necessary. The first step in winning a car accident claim in Austin, MN is determining whether you have grounds to file one in the first place.
Special Rules for Car Accident Lawsuits in Minnesota
A driver who suffers injuries and economic losses from a car accident caused by another driver must file a claim against his or her own insurance policy for coverage. However, if the injured driver suffered more than $4,000 in medical expenses, developed a disability lasting at least 60 days, or suffered permanently scarring or disfiguring injuries, he or she may step outside of the no-fault system and file a claim against the at-fault driver’s liability insurance or take further legal action against the responsible driver.
Minimum Insurance Requirements and No-Fault Coverage
The first place to look for recovery after a car accident in Minnesota is the injured driver’s personal injury protection or no-fault coverage. Minnesota requires all drivers to carry at least $40,000 in personal injury protection per person, per accident, with at least $20,000 each for medical expenses and nonmedical damages like lost income. If personal injury protection isn’t enough, the injured driver can then pursue a liability claim against the at-fault driver’s insurance.
Every Minnesota driver must carry coverage that meets the state’s minimum requirements, which include:
- $30,000 or more in bodily injury coverage for one person in an accident caused by the policyholder.
- $60,000 or more in total accident coverage for two or more people in an accident the policyholder caused.
- $10,000 or more in property damage liability coverage.
Minnesota drivers must also carry $25,000 bodily injury coverage and $50,000 total accident coverage for underinsured and uninsured drivers. In the event an at-fault driver does not have coverage or does not have enough coverage, the injured driver can use his or her own underinsured or uninsured motorist coverage after exhausting his or her personal injury protection coverage.
When to Hire an Attorney
If a driver suffers more than $4,000 in medical expenses, sustains permanent disfigurement, or develops a disability that lasts for 60 days or more as the result of negligence, the injured driver has grounds for a personal injury lawsuit against the at-fault driver in Minnesota.
The attorneys at Knutson + Casey in Austin, MN can help an injured driver handle insurance issues, maximize the value of an insurance claim, and explore additional legal options when insurance isn’t enough. Contact us today to schedule a free case evaluation and we can let you know how our firm can help.