This form is a sample complaint for use in claim involving an automobile accident.
Minnesota Complaint regarding Auto Accident (Driver vs Driver)
State:
Multi-State
Control #:
US-PI-0035
Format:
Word;
Rich Text
Instant download
Description
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FAQ
In Minnesota, the insurance for the car covers the damages caused by the accident. Hence, when someone borrows your vehicle, your insurance policy will cover them in case of an accident. If the accident was caused by the borrower's fault, your rates might go up by 20 to 40 percent.
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.
Every driver in a crash involving $1,000 or more in property damage, or injury or death, MUST COMPLETE this form and send it to Driver and Vehicle Services within 10 days. Failure to provide this information is a misdemeanor under Minnesota Statute 169.09, subdivision 7.
Minnesota is a no-fault insurance state, which means your car insurance covers medical expenses, wage loss, and out-of-pocket damages up to policy limits ? no matter who caused the crash.
Before lending a car to a family member or a friend, ensure that you have checked or done the following: Check if the borrower has a valid driver's licence. Place a copy of the registration and insurance policy in the car. Let the borrower know where these are located, too.
Even in a cut-and-dry case where an insured driver is on the policy and at fault, it can be difficult to get the payout you're entitled to. When a driver is not listed on the insurance policy, the insurer may dispute liability (or fault) because the person involved isn't covered.
Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
When it comes to the law, unlicensed drivers are no different than anyone else. If they cause a crash that results in injuries to others, they can be deemed liable. There are different ways to be labeled ?unlicensed? in Minnesota, and this can impact your case.
