There are many hazards on the road in MN that are not other drivers – snow, snow drifts, ice, black ice, deer, moose, the list goes on! This is important because not only could these hazards cause another driver to collide with you, but these hazards themselves can cause a collision without any other vehicles involved but yours!
Ultimately, living in a no-fault state is to your benefit. Whether you are found to be responsible for the collision or not, there are certain benefits afforded to auto insurance carriers under Personal Injury Protection, or PIP, benefits. First, every basic coverage policy provides you $20,000.00 available in medical coverage (includes medical bills and mileage to and from appointments). This is inclusive of all medical treatment related to physical injuries sustained in the collision.
Second, every basic coverage policy provides you $20,000.00 available in economic loss reimbursement. If you have wage loss due to the collision, the insurance company is obligated to pay 85% of wages lost or up to $500/week. Another benefit from your no-fault coverage is requesting for Essential/Replacement Services reimbursement. This includes household tasks, such as, cleaning your home, doing your dishes, cooking your meals, mowing the lawn/yard work, and laundry. If you were the one that would have completed these tasks, and now you have been unable to perform these tasks, and whether they go undone or someone else is doing them, you can submit a request to your auto insurance to have them reimburse you up to $200/week under your no-fault benefits.
Many other benefits are also available over and above PIP benefits. Please call us at 952-736-3300 for more information.