A Clear Explanation of Minnesota's No-Fault Insurance

After a collision, people worry about two things at once: their body and their bills. That stress can get loud fast. In Oakdale and across Minnesota, the rules differ from those in many states, and knowing the basics can take the edge off.

What “No-Fault” Actually Means

Minnesota is a no-fault state. In plain language, your own auto insurance has to cover personal injury care up to a set amount, regardless of who caused the crash. Dr. Kriva explains it simply: “If you’re involved in an auto accident, your own auto insurance company is legally required to cover your personal injury care, up to $20,000, regardless of who caused the accident.” That’s the core idea. You focus on getting evaluated; your insurer handles the first layer of coverage.

Will a Claim Raise Your Rates?

This is where people freeze. There’s a common belief that using personal injury benefits automatically bumps rates. Dr. Kriva addresses it directly: “By law in Minnesota, insurance companies cannot raise your rates for using your $20,000 personal injury coverage.” Vehicle damage claims are a different category and can be handled differently. But personal injury benefits are designed so you can access care without feeling punished for it.

What Your Insurer Handles Behind the Scenes

Even if another driver hit you, your insurer pays for injury-related care first. If they decide to pursue the other driver’s company afterward, that’s between the two companies, not you. It’s one less thing to carry, especially when you’re already dealing with soreness, car repairs, and a schedule that got flipped upside down.

How Parkview Chiropractic Clinic Helps Keep It Clear

You don’t need to memorize insurance language. You need a plan and good documentation. A post-accident visit helps track symptoms, document exam findings, and provide the kind of records insurance typically requests. If you’re unsure what to bring, ask us; you’ll get a straight answer.