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Minnesota is a "no-fault" car insurance state, which means your own car insurance pays for certain losses after an accident, no matter who caused the crash. Your options for pursuing a claim against anyone else are limited when you're injured in a car accident, unless your injuries meet a certain threshold.
This means that Minnesota does not bar your negligence claim so long as a judge or jury does not determine that you were more than 50% at fault for the accident/injuries. If you are found less than 50% responsible, you may recover damages but your claim will be reduced in proportion to your percentage of fault.
Minnesota's tort claims act allows injured persons to bring a variety of different injury claims against the government. These include: claims arising from car accidents, including crashes causing injury or property damage.
Minnesota's Tort Threshold: $4,000 in reasonable medical expenses: In order to recover non-economic damages, you must have reasonable medical expenses that exceed $4,000 excluding some diagnostic procedures.
After an accident, PIP insurance covers medical expenses, lost income and expenses such as child care and funeral costs. Minnesota's minimum PIP insurance requirement is $40,000 per person per accident ? $20,000 for medical expenses and $20,000 for nonmedical expenses.
In addition to the completed tort claim form, you will need the following items: A paid, itemized invoice/receipt showing repair of the damage OR two written estimates detailing work to be done and costs to repair the damage; Photographs of property damage (OPTIONAL);