If you’re injured in a car accident in Minnesota, you’ll need to take the following steps to recover damages (depending on the nature of the accident):
Contact your insurance agent to file a claim under your PIP coverage (regardless of who was at fault for the accident).
If your PIP coverage runs out and the accident was caused by another driver, contact the at-fault driver’s insurance company and make a claim against their liability insurance policy. You can also make a claim for property damage to your vehicle this way.
If your damages exceed the at-fault driver’s liability coverage, make a claim on your underinsured benefits.
If the at-fault driver has no insurance, you can make a claim on your uninsured motorist policy once your PIP coverage runs out.
Enjuris tip:In Minnesota, an auto insurance company has 30 business days to accept, deny, or give a reason why it cannot accept your claim. If your auto insurance company is unresponsive, you may need to file a bad-faith lawsuit.