Minnesota No-Fault insurance is intended to pay for out-of-pocket losses to it’s insured without regard to fault of the collision. The following is a brief summary of mandatory no-fault benefits:
- Medical expense benefits. You have the absolute right to choose the physician or clinic providing your care. You will have medical expense coverage up to a maximum of $20,000. These benefits can be stopped for a number of reasons and it is best to speak to an attorney for advice.
- Income loss (wage loss) benefits. If you are unable to work as a result of the injuries suffered in an auto accident, wage loss benefits are payable at the rate of 85% of your lost gross income up to $250/week. This includes lost wages while you are receiving treatment.
- Replacement service benefits. If you are injured in an auto accident, and because of that are unable to perform the duties normally required to maintain a household, you are entitled to be reimbursed for the cost of obtaining replacement services to perform these duties up to $200/week.
- Funeral and burial expenses. Reasonable funeral and burial benefits up to $2,000.
- Rehabilitation/occupational training expenses. If injured in an auto accident, you may have the right of reimbursement for rehabilitative occupational training. Specific requirements must be met to qualify for these benefits. It is therefore recommended that you consult with an attorney at Beedem Law Office prior to requesting rehabilitation benefits.
You may purchase higher coverage. When you are evaluating your own insurance coverage, you should ask about and consider the concept of stacking, which multiplies all the No-Fault benefit limits.