Minnesota Car Accident & Injury Lawyer & Attorney : Brown Law Firm : Minneapolis, St. Paul, Twin Cities MN

Insurance adjusters are the representatives who are employed by an insurance company to process automobile collision claims like yours. Some adjusters focus solely on property damage and the valuation of automobiles, while others work primarily on the injury and medical aspects of a claim.

As you might expect, adjusters’ personalities differ from one to the next. Some are very cordial and easy to work with, while others take a very antagonistic and conservative approach to compensating injury victims. Keeping in mind that it is the insurance company’s job to collect as many premiums as possible while paying out as little as viable, the adjuster’s role is that of a gatekeeper.

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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.

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The simple answer is insurance. The State of Minnesota requires all motor vehicle owners to insure their vehicle. Most drivers follow this rule, the purpose of which is to spread the risks associated with motoring across a large number of people. Insurance is purchased to protect those who have both caused and been harmed in an auto accident from financial distress. It’s there for times like these. 

If you are not at fault for an accident, you will likely receive compensation from both your own insurance company, as well as the other driver’s company in the form of personal injury protection benefits, liability, and uninsured or underinsured motorist coverage. All of which are discussed elsewhere in our auto accident blog.

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The Minneapolis personal injury lawyers with the Brown Law Offices, P.A. are pleased to announce the launch of our new blog dedicated excluviely to issues associated with car accidents in Minnesota. We hope to educate current and potential clients on topics such as negligence, injuries, liability, insurance, experts, the court process, economic loss and pain and suffering through valuable information and answers to the most common questions asked of our attorneys.

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