The Minnesota No-Fault Automobile Insurance Act, Minn. Stat. The respondent city of Minneapolis chose to self-insure. Self-insurance is the functional equivalent of a commercial insurance policy. The city does not dispute that it is appellants' primary no-fault insurer. However, citing the municipal tort liability act, Minn. Stat.
Municipalities are liable for their own torts, subject to certain limitations and exceptions.
Id. , subd. The city argues that neither the no-fault act nor the municipal tort liability act specifically exempts basic economic loss benefits from the municipal liability cap. Reading the statutes together, the city asserts that the limit must apply. There are major differences between tort law and no-fault law. Tort law has its origins in the common law.