Klampe Law Firm
Southern Minnesota’s injury law firm Serving the Community Since 1972
We are working to avoid disruptions caused by COVID-19 coronavirus, while at the same time acting responsibly to do what we can to prevent further spread of the virus. In order to do so, we are reluctant to accept walk-in visitors and ask that you please call 507-288-2447 for an appointment as our doors will remain locked. For your safety and ours, we are conducting as many appointments as possible by phone or electronic methods. If it is necessary for you to be at our office, we request that all visitors wear a mask and take necessary precautions. We will continue to closely monitor and assess the evolving situation.

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.

If you own more than one vehicle, consider "stacking" PIP coverages. For a modest increase in your premium, you will be covered by $20,000 times the number of vehicles you insure. So, if you "stack" PIP coverage for three vehicles, anyone injured in one of those cars would qualify for up to $60,000 of medical and $60,000 economic loss benefits. That also means your weekly wage loss benefit would increase by $500 multiplied by the number of vehicles insured. For three vehicles with stacked coverage, that means up to $1,500 weekly.

We welcome calls to explain these insurance coverage issues. If you have been injured, we can help you map out a plan to maximize what you can recover from the various insurance coverages.

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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.

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