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.
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.
Driving Minnesota’s roadways can prove dangerous because of inclement weather conditions, wildlife, and other related hazards. Road construction also poses a serious threat to motorists and construction workers alike. As communities continue to expand geographically as well as in population, drivers will have to be mindful of road construction on state roadways. Because these work zones are such common sites for car crashes, it is important you recognize where the risks lie.
Just how dangerous is it to drive through road construction zones? The U.S. Department of Transportation's Federal Highway Administration released the following statistics.
There is no shortage of festivities, good cheer, and alcohol during the holiday season. Whether or not you plan to consume alcohol at any events you attend, do not overlook your safety on the roads. It is common for traffic and dangerous road conditions to increase, and for more people to drive while impaired.
To keep yourself and loved ones from becoming a crash, injury, or fatality statistic, take the following precautions to stay safe on the road.
When a person dies due to the negligence or reckless behavior of another person or company, there may be grounds for filing a wrongful death lawsuit. While no legal action can ever bring back a loved one, and no amount of compensation can ever properly place a value on a friend or family member’s life, seeking justice can be an important step.
You probably know that if you sustain an injury on the job, you may be eligible for workers’ compensation; however, you may not realize the extent of eligibility. An injury may occur from a one-time event. An injury may also develop over time. Below are three of the most common categories for workers’ compensation claims. Does your injury fall into one of these areas?
Overexertion
Minnesota has made great strides in reducing the number of workplace-related injuries that occur every year. In fact, 2016 saw the lowest number of non-fatal workplace injuries since recording initially began in the 1970s.
When you are injured at work, you only have so much time to report an injury to your employer. Delaying the report could put your benefits in jeopardy. You should keep in mind that your employer cannot fire you for reporting a work-related injury.
You have been seriously hurt, perhaps in a car collision or from a fall on someone else’s property. You already know that you are in store for some tough times, but you would rather not be surprised. So, you want to anticipate potential “bad news” now as well as your options for making a physical and financial recovery. Exactly what could you be in for? When should you try to settle?
A motor vehicle accident can be very frightening, but the moments following a crash are often critical parts of reporting a property loss or even a personal injury claim. With some simple steps, you can preserve evidence of what happened. These steps are especially critical if the accident results in a personal injury claim.
1. Call the Police
We all know that parent who would send their teenage drivers out on the road in an army tank or an armored car if they could. Vehicle safety is a topic of interest to all motorists, but parents of newly licensed drivers are particularly concerned with the safety of the vehicles their children are driving.
Most of the statistics released on automobile safety come from two different entities: the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS). The IIHS sets tougher safety standards than NHTSA, although the ratings from both are worth monitoring.
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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
Normal Business hours:
8:30am – 5:00pm Monday – Friday
Holidays may affect these hours.
