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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.
The answer is yes. If you were driving without insurance, you can still get compensation if the other driver was at fault. In MN, the law requires every driver and car owner to have insurance for their vehicle.
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.
Car insurance after an at-fault collision in Minnesota A serious incident like an at-fault crash could remain on your insurance record for up to three years!
When Did Minnesota Become a No-Fault Insurance State? Minnesota's no-fault car insurance law took effect on January 1st, 1975. Since then, several more states have enacted their own no-fault laws.
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.
Minnesota is a No-Fault State You'll need to go through your own insurance company to obtain money for any of your covered losses. In most cases, this is a fairly straightforward process.