Frequently Asked Questions in Minnesota

Whether your accident happened on a snowy rural road or in the middle of Minneapolis traffic, it’s important to know your rights after an injury in Minnesota. From insurance concerns to timelines for filing a claim, many people don’t know where to begin. This FAQ covers key information Minnesota residents should understand after a car crash, slip-and-fall, or other serious incident.

How much time do I have to file a personal injury claim in Minnesota?

In Minnesota, you generally have six years from the date of the injury to file a personal injury lawsuit. If the claim involves wrongful death, the deadline is three years from the date of death. Government claims usually require notice within 180 days. It’s important to act quickly so you don’t risk missing any deadlines.

What is no-fault insurance and how does it work in Minnesota?

Minnesota is a no-fault insurance state. That means your own car insurance company pays for your medical bills, lost income, and certain other costs, regardless of who caused the crash. This coverage is called Personal Injury Protection (PIP). You can only sue the at-fault driver if your injuries meet a certain severity threshold.

What steps should I take right after an accident?

Start by checking for injuries and calling 911 to report the accident. Get medical attention as soon as possible, even if you feel okay. Exchange contact and insurance information with all parties, and take pictures of the scene if it’s safe. Then, notify your insurer and consider speaking with a personal injury attorney.

Can I recover compensation for emotional distress?

Yes, but emotional damages are usually awarded as part of a larger personal injury claim. You must show that the emotional distress is tied to your physical injuries or trauma from the event. These types of damages may be harder to prove, so documentation and professional testimony are helpful. A lawyer can explain what’s possible in your specific case.

What should I do if the at-fault driver doesn’t have insurance?

If the driver who caused the crash is uninsured or underinsured, you may still be protected through your own auto insurance. Minnesota requires Uninsured/Underinsured Motorist (UM/UIM) coverage in all policies. This can help pay for medical expenses, lost wages, and other losses. You may also qualify for additional assistance through the Minnesota Assigned Claims Plan.

How do I request a police report in Minnesota?

You can get a crash report from the Minnesota Department of Public Safety or the local police department that responded. Visit https://dps.mn.gov for forms and instructions. You’ll need details like the report number, crash date, and location.

Can I file a lawsuit if I was injured in a fall?

Yes. If you slipped or tripped due to unsafe conditions on someone else’s property, you may be able to file a premises liability claim. You’ll need to prove that the property owner was negligent and that their actions (or lack of action) caused your injury. This includes poor lighting, wet floors, or icy walkways not properly maintained.

What if my child was injured in an accident?

When a child is hurt, a parent or guardian can file a claim on their behalf. Compensation may include medical expenses, pain and suffering, and emotional trauma. In Minnesota, the statute of limitations for children’s injury claims is extended, but it’s best to act quickly. A lawyer can help protect your child’s legal rights and future.

Are there public programs to help with recovery?

Yes. Minnesota offers several programs to help injured residents, including Medicaid, SNAP, and temporary disability assistance. If your injuries were the result of a crime, you may also qualify for benefits through the Crime Victims Reparations Board. These resources can ease financial strain during recovery.

Should I talk to the insurance company before hiring a lawyer?

It’s best to be cautious when speaking to insurance adjusters. They may use your words to reduce or deny your claim. You don’t have to give a recorded statement, and you can refer them to your attorney. Speaking with a lawyer first can help you avoid costly mistakes.

What damages can I claim in a personal injury case?

You may be entitled to compensation for medical bills, lost wages, pain and suffering, emotional distress, and property damage. In severe cases, you might also recover future medical expenses and loss of earning potential. The value of your claim depends on the extent of your injuries and the impact on your life.

Can I file a wrongful death lawsuit in Minnesota?

Yes. If your loved one died due to someone else’s negligence, a wrongful death lawsuit may be appropriate. The claim is usually filed by the surviving spouse, children, or a personal representative. You may recover funeral costs, lost companionship, and financial support. The time limit for filing is generally three years from the date of death.

What happens if I was injured on public or government property?

Claims involving government entities have special rules and shorter deadlines. You typically need to notify the appropriate agency within 180 days of the incident. These cases are more complex and may involve damage caps. It’s highly recommended to contact a lawyer for help with filing properly and on time.

Do all personal injury cases go to trial?

No. Many personal injury cases settle out of court through negotiations. However, if a fair agreement can’t be reached, your lawyer may take the case to trial. Settlement is often faster and less stressful, but a trial may be necessary to get full compensation in some situations.

Is hiring a personal injury lawyer expensive?

Most personal injury attorneys in Minnesota work on a contingency fee basis. This means you don’t pay any fees upfront. Your lawyer only gets paid if they win or settle your case. It’s a risk-free way to get professional legal support.