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All owners and drivers in the State of Minnesota are required to have Minnesota No-Fault Auto Insurance.  Additionally, all cars or truck accidents in Minnesota should be covered by the Minnesota No-Fault Law.  This law pays certain out-of-pocket expenses, regardless of who is at fault.  No-fault benefits are sometimes called “basic economic loss benefits” or your insurance policy may refer to it as a “PIP (personal injury protection) benefit.”

Are there thresholds to the No-Fault benefits?

Yes, to bring a claim against another driver, there are No-Fault Thresholds you need to meet:

(1) Prove that the accident was caused by the fault of another, and

(2) Meet one of the following No-Fault Thresholds:

– Over $4,000 in treatment expenses, OR

– 60 days inability to work or perform your daily activities, OR

– Permanent injury determined by a doctor

(3) Then you may be entitled to the following Recoverable Losses:

– Past pain and suffering

– Future pain and suffering

– Future medical expenses

– Future lost earning capacity

Am I entitled to medical benefits?

Yes!  You are entitled to medical benefits in the State of Minnesota through the No-Fault benefits of your insurance plan when you are involved in a motor vehicle accident (MVA).  An important thing to remember is that your insurance company pays these expenses, regardless of who is at fault.

What’s the limit of the medical benefits?

Minnesota’s No-Fault insurance covers a variety of expenses when you are involved in a MVA.  However, the No-Fault provision allows for a minimum of $20,000 for medical expenses.  There are some limitations on this provision, but if you are receiving medical care for any injuries sustained in or related to the MVA, you should be entitled to medical benefits, generally, up to $20,000 through your insurance policy.  Treatments such as medical, chiropractic, prescription medications, and mileage to and from your treatment appointments are included in this benefit.

You can increase the amount of available medical benefits by stacking benefits.  A person insured by one or more policies for no-fault insurance may “stack” those policies together to obtain additional medical expenses.  However, stacking is only available if the insured has elected to allow the stacking of his policies.  For example, if someone allowed their policies to be stacked, you could receive up to $40,000 for medical expense by stacking the two policies together.

How do I activate these benefits?

To activate the process of receiving medical benefits, you need to file a personal injury form with your insurance company.

Can my insurance company contest my claim for medical benefits?

Yes, insurance companies can contest your claim for medical benefits.  This part of the process is complicated and you will likely need an attorney to help you through the process.

I have handled hundreds of cases through jury trials, court trials, administrative proceedings, and Google has ranked our firm as a five-star business.

Every insurance company and policy is different, and a personal injury attorney can assist you in dealing with your insurance company, making these claims, and recovering your medical benefits.  For more information regarding any medical benefits claims you may have, feel free to contact Katherine Brown Holmen, a personal injury, wrongful death, and worker’s compensation attorney at Dudley and Smith P.A.   Katherine has over 24 years of exclusive experience and has worked on thousands of medical benefit claims.  If you have been involved in an accident and want to recover medical benefits, please contact Katherine Brown Holmen at 651-291-1717 or by email at  Dudley and Smith, P.A. is a full service law firm with offices in St. Paul, Blaine, Bloomington, Burnsville, Chanhassen, White Bear Lake, and Woodbury.

Katherine Brown HolmenKatherine grew up in Minnesota and has lived there for most of her life. However, she did attend the University of North Dakota School of Law, where she was a dedicated student who graduated and passed the Minnesota Bar Examination to become a lawyer by the age of 24. Since her graduation she has worked exclusively as a personal injury lawyer in the Minnesota area, gaining great experience from a huge number of cases, as well as a reputation among her fellow attorneys as a top ranking attorney in personal injury actions in the State of Minnesota.

                                          December 2017 Client Review                                                           “I wrote you a thank you card but decided that my writing wasn’t grand to say the least (shaky).  I like to thank you for your work on our case which has been so very difficult for our family in so many ways.  Thank you for sticking with us.  With so many adversities, we were so pleased to be dealing with a lawyer of honesty.  Our best to you, and thank you for your continued assistance wrapping this up.  We wish you and your family much happiness over the holidays and hope you will get a break coming up.  Warm regards.”

She is a strong advocate for people who have suffered injuries because of another person’s negligence and is always keen to fight for justice on their behalf. She represents people who’ve suffered injuries or were the victim of wrongful death throughout Minnesota in the following areas:

  • Motor Vehicle Accidents
  • ATV and Snowmobile Accidents
  • Airplane Accidents
  • Train Accidents
  • Boating Accidents
  • Pedestrian Accidents
  • Claims Against Bars for Over-Serving
  • Dog Bites
  • Wrongful Deaths
  • Injuries to Children
  • Nursing Home Accidents
  • Construction Accidents
  • Defective product Accidents
  • Work Place Accidents
  • School Accidents
  • Gun Accidents
  • Farm Accidents
  • Assaults
  • Slip, Trip and Fall Accidents
  • Appellate Law
  • Worker’s Compensation

We invite you to schedule a free initial consultation to learn more about our personal injury practice. If you cannot come to us, we will come to you in your home or in the hospital