BENEFITS YOU ARE ENTITLED TO... Following an automobile accident, you are likely to have many questions and many needs. Here is a brief overview of some benefits that may be available to you under Minnesota’s No-Fault Act. What is No-Fault insurance? Click here to learn about this important information. To better understand each of these, and to know if and how they may apply to you, contact Ramsay, DeVore & Bennerotte, P.A. for a free consultation.
- Payment of All Medical Bills. Under Minnesota Law, No-Fault “Medical” expenses are covered up to a minimum of $20,000. If your own automobile insurance covers more than one vehicle, you may have additional coverage called “stacking.”
- Open Medical Care. You may be treated by any medical doctor, chiropractor, or other medical professional you choose.
- Medical Mileage. For all medical attention you receive, you may also have your round trip mileage and other reasonable transportation expenses reimbursed.
- Wage Loss. If your doctor disables you from work, or if you miss work to attend medical appointments, you may receive 85% of your lost wages, up to a weekly maximum of $250. If you have “stacking” your weekly maximum may be higher. Under Minnesota Law, No-Fault “Wage Loss” and “Replacement Service” expenses are covered up to a minimum of $20,000. If you have “stacking,” you may have additional coverage.
- Replacement Services. If your doctors disable you from your routine household tasks, you may be reimbursed the expense of hiring someone else to do them for you. Examples of these types of services are house cleaning and lawn care. If you are the “primary homemaker,” and are disabled from your homemaking duties, you may be reimbursed the “reasonable value” of your lost services, without having to incur the expense of hiring someone else to do them for you. The weekly maximum reimbursed is $200, although “stacking” may increase this amount.
- Pain and Suffering Compensation. If another person is at-fault, and you have met one of Minnesota’s threshold requirements, you may make a claim for pain and suffering. Contact Ramsay & DeVore, P.A. to see if you qualify.
- Property Damage Recovery. If another person is at-fault, their insurer should pay for all of the damages, deductibles, rental and other reasonably related out-of-pocket expenses.
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