Who Will Pay My Medical Bills?
This is one for the first questions we are typically asked. Minnesota’s no-fault insurance will pay up to $20,000 in medical bills, regardless of who caused the accident.
If you need surgery or hospitalization, that $20,000 will not last long. In Minnesota, you can sue the at-fault driver after your damages reach a certain threshold, such as accumulating at least $4,000 in medical bills, having a permanent injury or losing a certain number of days at work.
If the at-fault driver has no insurance or does not have enough insurance to cover your damages, you can collect from your own coverage for uninsured and underinsured motorists.
Car accidents often come with devastating injury and even fatality. Some of the typical injuries we see after a serious car accident include:
- Whiplash and shoulder and neck complications that may be chronic and possibly permanent
- Traumatic brain injuries
- Spinal and back injuries
- Physiological damage
In addition to possible lost wages, medical expenses and rehabilitation costs, you could also be looking at additional expenses that are unexpected including hiring a nurse to help you with recovery, paying child care for your children and attending therapy to deal with any issues of post traumatic stress disorder. You should be compensated for all of your losses, not just your medical costs.