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Klampe Law Firm
Southern Minnesota’s injury law firm Serving the Community Since 1972

Rochester Personal Injury Law Blog

Changes to Minnesota workers' comp laws may affect your claim

A work-related injury can complicate life for the injured party, as well as that person’s family. Minnesota’s workers’ compensation laws are designed to serve as a safety net for injured workers who are unable to return to work, whether that is for a recovery period or permanently.

Legislation passed by Minnesota lawmakers in 2018 made important changes to the Minnesota Workers’ Compensation Act. Here are highlights of the changes, which are designed to benefit injured workers:

What do workers' compensation benefits cover?

Getting hurt on the job can be frightening when you do not know what to do and are uncertain about your future. How will you provide for your family? What if you are never able to fully recover?

The purpose of workers' compensation benefits is to address these concerns. You can file a claim when you suffer a work-related injury to receive financial compensation for certain costs, as well as helpful services to secure financial stability. Workers' compensation benefits fall under the following three categories.

Insurance coverage concerns: business use of a personal auto

Auto insurance is required for all Minnesota car owners. Most people pay for a standard personal lines auto insurance policy and do not think of it again until the policy is up for renewal or a claim is made.

Most people do not consider that the personal auto policy often will not pay a claim if the car is being used for a commercial or business purpose. For that, most insurers require the car owner to acquire (and pay for) a commercial use rider.

How you can avoid slips, trips and falls

Injuries from falling can happen almost anywhere, including sidewalks, stores, apartment complexes and office buildings. Property owners have a duty to keep these areas free of hazards so you do not suffer injuries. Sadly, falls are common and result in over 8 million visits to the emergency rooms every year.

While property owners and managers must keep their premises safe, you can take note of some preparations and precautions to stay as safe as possible. Here are some tips to avoid slips, trips and falls.

Why you always want to see a doctor after a car crash

Some people need immediate medical attention after a car crash. For others, it’s not as apparent. Instead, they may feel relatively fine after a car crash, and they may just want to go home. However, it is wise to always see a doctor after an auto collision if there is any concern at all about injuries.

Your adrenaline makes you feel better than you actually are

May is National Bike Month - Is Rochester ready?

  • National Bike to Work Week, which was scheduled for May 13-19 this year
  • National Bike to Work Day, which was scheduled for May 17
  • National Bike to School Day, which was scheduled for May 8

The League of American Bicyclists, which sponsors these events, also identifies states and communities across the country that are “bicycle friendly” and looks for opportunities for improvement. How does Rochester compare?

Why stacking personal injury protection (PIP) insurance makes sense

Every Minnesota auto insurance policy includes mandatory Personal Injury Protection (also called "PIP" or "no-fault") coverage. The basic coverage is $20,000 for medical expenses and $20,000 for economic loss, including wage loss.

When the no-fault law was adopted in the 1970s, $20,000 of medical coverage was enough for nearly all injuries. Today, we sometimes see that amount completely exhausted before our client is even home from the emergency room.

Insurance issues after your auto collision

If you have been injured in an auto collision, there is a tangle of insurance coverage issues it is important for you to get right.

If someone else caused the collision and you suffered a significant injury, you have the right to make a personal injury claim against the insurance policy of the car’s driver and/or owner. But resolving that claim should wait until your recovery is complete or long-term consequences well understood. That often takes a year or more.

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Klampe Law Firm 975 34th Ave NW, Suite 400 Rochester, MN 55901 | Phone: 507-288-2447 | Fax: 507-288-4412 | Rochester Law Office Map

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