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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.
You must submit a crash report within 24 hours on required forms.
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.
Minnesota law does not require drivers involved in ?fender benders? (accidents that result in property damage of less than $1,000) to get in touch with the police ? provided, of course, that no injuries have taken place. All you and the other driver have to do will be to exchange contact and insurance information.
Complete a Crash Record Request Form (PS2503) and either mail it to the address on the form or visit the DVS Records/Evaluation Counter located at 445 Minnesota Street in St. Paul. Requests will not be processed without a signature from an Authorized Requestor.
Cognitive distraction. Even a single passenger can take your attention off the road if you're engaged in an intense discussion with them. Conversations require mental focus and, when they're happening in a car, your focus is stolen from the task of driving.
Make sure you note down: The time and date of the accident. Details of the vehicles involved, including the make, model, colour and number plates. The driving conditions, including the weather, lighting and road quality.
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.