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If the other driver doesn’t have insurance in Minnesota, you will still have coverage for medical expenses incurred, as Minnesota is a No-Fault State, which means that after a car collision, your auto insurance will be the first to pay up to $20,000 for medical bills resulting from the collision. So, if you have been hit by an out-of-state driver, you can rest assured that your immediate medical bills will be covered under your own insurance.
Yes, if you were injured in a collision caused by an out-of-state driver, you can hold them accountable for the injuries and damages you sustained. This is because Minnesota holds jurisdiction over accidents that occur within its state borders. Meaning that Minnesota law applies to collisions that occur within Minnesota’s borders.
You should treat this collision as you would a car collision with a Minnesota driver. The first step is to contact the police so they can meet you at the scene to gather statements and write a crash or collision report. As you wait for the officer to arrive, you should take photos of the scene, the injuries you sustained, and the damage to your vehicle.
Next, you should gather the at-fault driver’s contact and insurance information, including policy numbers. If they have a copy of their insurance card, it’s best to take a photo of it if they allow you. Then you should assess your injuries and determine whether you require an ambulance to take you to the nearest hospital, or if the on-site medical personnel will be sufficient to give you a general exam. Finally, after you’ve treated your immediate injuries, you should contact your insurance company to open a no-fault claim and notify them of the collision.
If you have been hit by an out-of-state driver, it would be wise to contact a personal injury attorney, as they will have experience dealing with the complexities of out-of-state drivers, insurance companies, and law enforcement.
Yes, if you were hit by an uninsured driver, even if they were an out-of-state driver, you would be able to seek recovery by filing an Uninsured Motorist Claim with your auto insurance. In Minnesota, there are mandatory minimum uninsured motorist limits of $25,000 per person and $50,000 per accident; however, some insurance companies allow for higher limits when selecting insurance coverage. If you are submitting an uninsured motorist claim, it would be wise to review the current policy limits you have selected for the uninsured motorist claim. That policy limit is important as it is the maximum amount your insurance company will pay for an uninsured motorist claim. If you have incurred medical expenses beyond the policy limits in place, it would be advisable to contact a personal injury attorney so they can discuss with you the next steps in filing a lawsuit against the out-of-state driver.
If you would like to schedule a free consultation to learn more about seeking compensation if the other driver doesn’t have insurance in Minnesota, please reach out to BK Law Group at (952) 314-5101, and we would be more than happy to discuss your case and how we can help.
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