Personal Injury

With regard to drivers and registered vehicles in the state, Minnesota defines personal injury as a serious or debilitating medical condition that requires care from a licensed hospital or doctor.

Minnesota requires minimum no-fault vehicle insurance for personal injury protection (PIP), and the state suggests that drivers get additional coverage for vehicle repairs after accidents. You are also required to have a minimum amount of liability, uninsured and underinsured protection, as outlined on our insurance page.

Minnesota's required PIP coverage is intended for drivers and passengers who are in accidents. The no-fault insurance coverage provides for medical treatment of the driver and passengers.

If another driver is at fault in an accident, personal injury costs that exceed required coverage may be sought through the at-fault driver's liability coverage. Claims against an at-fault driver's liability coverage may also include vehicle repairs necessary because of the accident.

In the case of an accident with an uninsured or underinsured motorist in Minnesota, drivers and passengers may collect from underinsured PIP coverage, which is also required in the state.

Below are the minimum insurance requirements for personal injury (no-fault) coverage in Minnesota:

• PIP of $40,000 per person, per accident

• At least $20,000 of it is for medical and hospital expenses

• At least $20,000 of it is for other, non-medical expenses, such as lost wages

Minnesota's personal injury definition and minimum PIP insurance coverage are aimed at clarifying rights and responsibilities when injury results from vehicle collisions and other incidents.

By ensuring they have the minimum required insurance coverage for their registered vehicles, Minnesota drivers may minimize their own liability, and be sure that all of those involved in vehicle accidents receive necessary medical treatment.

If you are the victim of personal injury from a motor vehicle accident, you may wish to retain an attorney to represent you.