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Personal Injury

AUTOMOBILE ACCIDENTS

Many people suffer economic damages, either through medical bills or wage loss, after an automobile accident.  You may recover these losses through no-fault benefits which all vehicle insurers must provide when issuing automobile insurance.  The benefits are also commonly referred to as personal injury protection (“PIP”) benefits.  No-fault benefits must include, at a minimum, $20,000 in medical expense coverage and $20,000 in wage loss and replacement services coverage.

 

If you are injured in a vehicle while traveling in the vehicle for work purposes, you may have coverage through both workers’ compensation and no-fault automobile insurance.  Oftentimes, you must first look to the workers’ compensation insurer for coverage; however, there are certain circumstances where no-fault insurance provides broader coverage.  For instance, no-fault may provide coverage for the costs of medical costs not generally paid for by workers’ compensation, claims for certain household replacement services, and certain wage loss benefits.

 

A motor vehicle insurer must also provide uninsured and underinsured motorist coverage.  Uninsured motorist insurance provides coverage to you if you are injured by a negligent driver of another vehicle and that negligent driver does not have insurance coverage.  Underinsured motorist insurance provides coverage to you if you are injured by a negligent driver of another vehicle and that negligent driver has inadequate insurance to fully compensate you for your injuries.  Uninsured and underinsured motorist coverage provides coverage for losses not covered by your workers’ compensation insurance.

In 2008, Minnesota enacted the Insurance Standard of Conduct statute that allows an insured to recover extra damages from certain insurers if the insurer denied insurance benefits without a reasonable basis for such denial and knew of the lack of a reasonable basis for denial, or acted in reckless disregard of the lack of a reasonable basis. This new statute applies to no-fault, underinsured and uninsured claims but not to workers’ compensation claims. This statute allows an insured to recover up to a maximum of $250,000 and attorney fees.

 

In addition, if you were not at fault for the accident, you may have a claim against the at-fault driver’s insurance company for loss of earnings if you are unable to work because of your injuries, medical expenses not paid by a no-fault carrier, pain and suffering.

MOTORCYCLE ACCIDENTS

If you were injured in a motorcycle accident and not at fault for the accident, you may have a claim against the at-fault driver’s insurance company for loss of earnings if you are unable to work because of your injuries, medical expenses, pain and suffering.

PREMISES ACCIDENTS

If you were injured on someone’s property as a result of the property owner’s negligence, you may have a claim against the property owners’ insurance company for loss of earnings if you are unable to work because of your injuries, medical expenses, pain and suffering.

DOG BITE ACCIDENTS

If you were injured by another individual’s dog, you may have a claim against the dog owner’s insurance company for loss of earnings if you are unable to work because of your injuries, medical expenses, pain and suffering.

DRUNK DRIVING ACCIDENTS

If you were injured by an intoxicated driver, you may have a claim against the liquor establishment that served the alcohol to the drunk driver for loss of earnings if you are unable to work because of your injuries, medical expenses, pain and suffering.