We handle all cases where a person is injured as a result of someone else’s negligence. The most common type of claims are:
Minnesota is a “No-Fault” state. That means that everyone who has been involved in a motor vehicle accident in the state of Minnesota (with very few exceptions) are entitled to a package of benefits that are commonly called “no-fault benefits”. These benefits include coverage for:
Medical Expenses. Includes chiropractic care, hospital expenses, ambulance service, physical therapy, prescriptions, transportation expenses to medical appointments, translation services for medical appointments, and almost any type of medical treatment that is related to the motor vehicle accident.
Lost Wages. This includes money actually lost, even if you are self-employed. You need to have a provable loss of income, a disability note from your doctor. The benefit is usually limited to 85% of the weekly gross income with a cap of $250 per week. However, some may have higher limits if purchased from your insurance carrier.
Replacement Services. Your automobile insurance company will reimburse you for the cost of having an outside person come into your home to perform the essential services that you are primarily responsible to perform, but are unable to do so as a result of your injuries. You need to have a note from your doctor setting your physical limitations, and log detailing the work performed, the person who performed the work, the amount of time it took the person to perform the work, and the amount of money charged for the work.
Primary Homemaker Replacement Services. If you are primarily responsible for maintaining a home, and you are unable to do all, or part of your duties, your automobile insurance company is responsible for reimbursing you the reasonable value of those services that you have not been able to perform. It is not necessary to actually pay someone to perform the tasks for you. You will need a note from a doctor detailing those tasks that you should avoid, as well as a chart of tasks that you were unable to perform, along with the amount of time you usually would spend on an average week. The benefit is limited to $200 per week.
Retraining. If you are unable to return to your job and you have to get retrained to find a job that has a similar rate of pay, you automobile insurance company is required to pay for the cost of the retraining. Of course, whether you are or are not able to return to your job after an auto accident will likely be challenged by the insurance company. For that reason, you will need the opinion of your doctor as to whether you will need retraining. The retraining benefit is part of the lost wages benefits, and is typically limited to $20,000, unless you purchased a larger amount of benefits.
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