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Who pays for my medical bills?
A: Minnesota has a No-Fault system for automobile insurance. This is often confusing if you have not been exposed to it before. No-Fault provides coverage benefits for several categories of losses. These categories of benefits are typically referred to as Personal Injury Protection (PIP) benefits. Under "No-Fault" your own automobile insurance carrier is responsible to PIP benefits even if you were not at fault in causing the accident. This is true even if you are occupying someone else's vehicle at the time you were injured. There are exceptions depending upon the status of the vehicle you are occupying.
The minimum required coverage in Minnesota for medical expense coverage is $20,000. Medical expense coverage will pay for medical, physical therapy, chiropractic, massage therapy, prescription medication and many other forms of treatment. It was the desire of the legislature that the injured insured have the choice with regard to what type of care to pursue when injured.
You are also entitled to be reimbursed for reasonable transportation expenses incurred in getting medical care. Typically this is paid as mileage to and from the healthcare provider.
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Hazelton Injury Attorneys
P.O. Box 1248
677 Anne St.
Suite B
Bemidji, Minnesota 56601
Phone: 218-444-4529
Toll Free: 888-711-4529
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