What Is Minnesota's "No-Fault" Insurance Coverage All About?
Personal injury protection (PIP or “no-fault”) benefits are provided in every motor vehicle insurance policy issued in Minnesota. They are the first place to turn for compensation for medical bills and lost wages.
PIP benefits are called no-fault benefits because they are granted to every motorist involved in a collision, regardless of who is at fault. Even someone 100% at fault for rear-ending another driver is entitled to recoup PIP benefits.
Your insurance company is obligated to provide you, and any other “insured” under the policy, with at least $20,000 in reasonable and necessary medical expenses related to the accident, and another $20,000 in wage loss (up to $250 per week) and replacement service benefits (up to $200 per week). There are a few other categories of benefits that a motorist involved in a collision is entitled to, but these are the most common.
The minimum coverages required by law are for each individual vehicle occupant. In other words, each motorist (driver and passengers) is entitled to a separate 20/20 in coverage.
