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Minnesota is a No-Fault State, which means that your auto insurance policy will cover your medical expenses and non-medical expenses when you file a claim after a collision. However, like most benefits, your No-Fault benefits have limitations; they must be applied for and can be taken away. These benefits are often referred to as PIP (Personal Injury Protection) benefits or “No-Fault” benefits and apply regardless of who was at fault, hence the name “No-Fault” benefits. Contact us today if you need help understanding medical and non-medical no-fault benefits and navigating the legal system.
The first step is to call your insurance company after a collision. Once you report a collision has occurred, you will start setting up a claim with your No-Fault or PIP Adjuster and provide them with any additional details, such as how the accident occurred. Once the claim is set up, your insurance will send you an “Application for Benefits” form. This is a standard form you will need to complete to receive No-Fault or PIP benefits. Once you have completed the form and returned it to your insurance company, they will begin implementing the medical benefits. You will then need to notify all your treating providers of the claim and provide them with the claim number so they can properly bill the No-Fault Insurance rather than your health insurance.
Minnesota has mandatory minimums for No-Fault benefits, including $40,000 for medical expenses and non-medical expenses. It’s important to review your auto insurance policy to see if you have more coverage available under your No-Fault or PIP Benefits.
No-Fault Medical Benefits cover up to $20,000 in medical costs, including mileage reimbursement for the round trip to your medical appointments. These medical appointments include, but are not limited to, primary care physicians, chiropractic doctors, surgeries, steroid injections, physical therapy, medications, etc.
To have these medical appointments paid for, you will need to notify your treating provider to bill your No-Fault insurance before they bill your health insurance, as these treatments are a result of the collision. Your treating provider will then forward the billing statements to your No-Fault insurance for continued payment. Once the $20,000 in Medical Benefits are exhausted, these payments will then return to your health insurance. Your health insurance will then maintain a lien, called a subrogation lien, documenting any payments made for treatments related to the collision.
Non-medical benefits cover $20,000 for Lost Wages and potential Replacement Services.
Wage loss is reimbursed at 85% of weekly wages, up to $500 per week, to cover lost wages. To receive this benefit, you will need to complete a Wage Verification form, provide copies of Pay Stubs, and a doctor’s note stating limitations or an inability to perform certain tasks due to the injuries sustained. The information is then submitted to your insurance for reimbursement.
This benefit is available seven days after the accident, and reimbursement is up to $200 per week. If you are considered the primary homemaker, and you can no longer care for the home in the same way, you may be eligible for replacement services. However, to receive this benefit, you will need a doctor’s note stating limitations or that you are unable to perform certain tasks due to the injuries sustained.
If the collision resulted in the death of the injured individual, the No-Fault insurance would cover up to $5,000 of funeral expenses, including cremation or delivery expenses.
If you are still seeking treatment when your No-Fault Benefits run out, the bills will next be sent to your health insurance provider. Your health insurance will then keep a subrogation lien documenting all the payments made in relation to the collision. If a settlement is reached, your health insurance will seek reimbursement for payments made in relation to the collision. It’s important to send the front and back of your health insurance card to your legal team at BK Law Group, as we will ensure to follow up on the health insurance lien as the claim progresses.
If you are worried about payments and that is preventing your further treatment, please reach out to your legal team at BK Law Group, and we will discuss the next steps and how we will navigate your claim moving forward.
For strong claims, it’s vital that you listen to your doctor and work with them to develop a treatment plan that is sustainable and manageable in your daily life. It’s important to work with your doctor and inform them of the areas in which you have been struggling since the collision. If you feel you would benefit from restrictions, then discuss with your doctor the pain you have been feeling and how a work restrictions note would benefit you and your overall recovery. The strongest claims I’ve seen are those in which the injured party works regularly and diligently with their treating providers to ensure the utmost care and that their treatment plans are up-to-date and accurate, given their current symptoms.
While it’s important to work with your doctor and develop a treatment plan together, it’s essential to trust yourself and your body. While the doctor is practiced in medicine and in giving medical advice to others, you are the one living in your body, and you know when something doesn’t feel right. At BK Law Group, we are your dedicated legal advocates and support you in all ways we can. However, in the doctor’s office, you are your biggest advocate, and you should always advocate for yourself and your needs.
If you need a lawyer for a personal injury claim, the legal team at BK Law Group is here for you. Please contact us by phone at (952) 314-5101 or by email at in****@*********up.com for help understanding medical and non-medical no-fault benefits. We would be happy to help.
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