Minneapolis Car Accident Lawyer

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Heuer Fischer, P.A.

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The Law Offices of Jeffrey A. Jones, P.A.

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Getting into a car accident is a terrifying — and often painful — experience, and the victims of someone else’s reckless or negligent behavior ultimately suffer the consequences of someone else’s dangerous driving. While most people are familiar with the concept of filing an insurance claim after an accident, few realize that these processes are not designed with their best interest in mind. In reality, insurance companies are focused on paying out as little as possible, so having a qualified Minneapolis car accident lawyer on your side is essential when working through the claims process and fighting for the compensation you deserve.

After an accident, the thought of trying to find an attorney and starting a legal case can be overwhelming. The sooner you are working with a Minneapolis car accident attorney, the sooner you will be able to stop worrying about your legal and financial issues stemming from the crash and instead remain focused on your recovery and getting your life back on track.

Minneapolis Streets

Contact CarAccidentAttorney.com – a Law Firm Directory – to Connect With a Car Accident Lawyer Minneapolis 

CarAccidentAttorney.com is a law firm directory that connects victims with available legal representation in their area for a free consultation. During this consultation, you will have an opportunity to explain the details of your accident and any injuries related to it and discuss the questions you have about pursuing a personal injury claim.

Many people wait until they are already going through the insurance claims process before contacting an attorney. Still, the sooner you are working with experienced legal representation, the sooner the adjuster will take your claim seriously. Additionally, delays in contacting legal help can have a negative impact on the case and, ultimately, the amount of compensation that you may receive.

Read more about car accidents and personal injury claims below, and contact CarAccidentAttorney.com, a personal injury lawyer directory, today to get started on your case.

Minnesota Car Accident Laws

A knowledgeable Minneapolis car accident attorney will use state laws to the maximum advantage of injured victims to help them recover compensation.

Fault-Based System in Minneapolis, MN

Minneapolis operates under Minnesota’s fault-based insurance system. This means that, after a car accident, the driver who caused the accident is also responsible for the damages. Victims of car accidents in Minneapolis have three main options for recovering damages. 

They can file a claim with their own insurance company under their Personal Injury Protection (PIP) policy, pursue a claim against the at-fault driver’s insurance, or file a personal injury lawsuit. Establishing fault through evidence such as police reports, witness statements, and accident reconstruction is essential to prove the liability of the negligent party.

Personal Injury Protection (PIP) Requirements

Minnesota law requires all drivers to carry a minimum level of PIP coverage. PIP is a form of no-fault insurance that provides coverage for medical expenses, lost wages, and certain other out-of-pocket costs in Minnesota car accident claims, regardless of who caused the accident.

The minimum PIP coverage required in Minneapolis includes $20,000 for medical expenses and $20,000 for non-medical expenses, such as lost wages. This no-fault coverage provides a safety net for injured drivers and passengers, but it only covers certain economic damages.

Serious Injury Threshold for Lawsuits

Under Minnesota’s no-fault system, there are limitations on when accident victims can pursue a lawsuit against the at-fault driver. Victims can only step outside the no-fault system and sue if their injuries meet a “serious injury” threshold, which is defined as medical expenses exceeding $4,000, permanent injury or disfigurement, or 60 days or more of disability. 

This threshold exists to prevent minor injury car accident cases from overwhelming the court system and to limit personal injury lawsuits to severe cases. However, when an accident victim meets this threshold, they can pursue compensation for pain and suffering, which is not covered under PIP insurance.

Comparative Fault: 51% Bar Rule 

Minnesota follows a modified comparative fault rule, which impacts how compensation is determined in cases where more than one party is responsible for an accident. Under this rule, a victim’s recovery is reduced by their percentage of fault. 

If the victim is found to be 20% at fault for the accident, their total compensation would be reduced by 20%. Importantly, if a victim is found to be 51% or more responsible for the accident, they are barred from recovering any compensation. 

Required Liability Insurance Coverage in Minneapolis

All Minneapolis drivers are required to carry minimum liability insurance coverage, which includes:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $10,000 for property damage per accident

This liability insurance in a car accident injury claim is intended to cover injuries and property damage to other parties if the insured driver is at fault.

Uninsured and Underinsured Motorist Coverage

In addition to liability insurance, Minneapolis drivers must carry uninsured and underinsured motorist (UM/UIM) coverage. UM/UIM coverage is designed to protect accident victims when the at-fault driver does not have insurance or has insufficient coverage. The minimum UM/UIM coverage required in Minnesota is:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident

UM/UIM coverage is essential because it allows Minnesota car accident victims to receive compensation from their policy if they are injured in an accident caused by an uninsured or underinsured driver. 

Statute of Limitations for Car Accident Claims

The statute of limitations for car accident claims in Minneapolis is six years for personal injury and four years for property damage claims. This means that victims have six years from the date of the accident to file a personal injury lawsuit and four years to file a property damage claim. 

Failing to file a car accident lawsuit within these time limits may result in the victim being barred from pursuing compensation. Injured car accident victims should contact a car crash lawyer in Minneapolis as soon as possible to preserve evidence and establish liability. 

Reporting Car Accidents in Minneapolis

In Minneapolis, Minnesota, law requires drivers to report car accidents that result in injury, death, or property damage exceeding $1,000 to law enforcement as soon as possible. If the police do not arrive at the scene, drivers must file a crash report with the Minnesota Department of Public Safety within ten days of the accident. 

Timely reporting helps create an official record of the accident, which can be valuable evidence in establishing your car accident claim. Failing to report an accident may lead to penalties and can complicate the claims process. An auto accident attorney in Minneapolis can assist with proper reporting and documentation and engage in settlement negotiations with the insurance company.

Common Types of Car Accidents

Graph of Deaths by crash type
Source: https://injuryfacts.nsc.org/motor-vehicle/overview/type-of-crash/

Car accidents may be characterized by the direction the vehicles were traveling in, the number of vehicles involved, the cause of the accident, or any other number of factors. Some common types of car accidents in Minneapolis include:

Rear-end Collisions

In a rear-end collision, the rear vehicle collides with one in front of it, and is typically caused by the rear driver failing to maintain enough distance from the car in front, or not paying attention and driving into the back of a stopped vehicle. 

However, there are times when the lead vehicle is at fault – such as when they suddenly stop or brake too quickly in unfavorable conditions.

Head-on Collisions

A head-on collision is, as the name suggests, when two vehicles traveling in opposite directions collide. This type of car accident is most often caused by a driver crossing into the wrong lane, meaning that proving liability in these situations is usually as simple as determining which driver departed their lane. 

These crashes can cause serious injuries due to the high force of impact with two vehicles colliding directly at such a high speed.

Side Impact (T-Bone) Accidents

These accidents happen when a vehicle hits another from the side, forming a “T” shape. These accidents often happen when a driver fails to properly observe traffic rules and yield at an intersection.

Since there is so much less structural protection on the side of a vehicle when compared to the front or rear, passengers on the side of the vehicle that was hit may sustain serious injuries.

Rollover Accidents

Rollover accidents are some of the most deadly types of accidents in the United States because of the high likelihood of severe injury when occupants are thrown around as the vehicle rolls. 

When one vehicle rolls over, all of its occupants risk serious injury or death and may be thrown from the car, leading to not only injuries but also a risk of being struck by other vehicles and suffering secondary injuries from hitting other obstacles once ejected.

Multi-Vehicle Crashes 

Sometimes there are more than two vehicles involved, such as a multi-car pileup. These types of accidents are common when the roads are wet or icy, and an initial crash leads to a number of vehicles hitting their brakes, sliding, and colliding with another vehicle. As you can imagine, attempting to unravel questions about liability is complicated when there are multiple drivers involved, and may lead to claims against multiple parties.

Working with experienced car accident attorneys is important after any car accident, but one that is further complicated when there are multiple liable parties involved will definitely benefit from having a professional handle your car accident case.

Single Vehicle Crashes

There are instances when a single driver is involved in a crash, but even so, there may be other parties responsible for the crash. The collision may have been because the driver swerved to avoid someone veering into their lane, a tree may have fallen on the vehicle, or the crash could have been the result of a mechanical failure that the vehicle’s manufacturer is ultimately responsible for. These car accidents are also commonly associated with intoxicated driving.

Hit and Run Accident  

There are many (terrible) reasons why someone would flee the scene of an accident: an expired or suspended driver’s license, drunk driving accidents, a stolen vehicle, and even just sheer panic. None of these are justifiable, and can leave Minneapolis car accident victims suffering from damages that are much more difficult to recover when there is no liable party, and therefore no liability insurance.

Fortunately, car accident victims can still rely on their PIP (Personal Injury Protection) policy, which is required in the state of Minnesota, but this no-fault insurance policy only pays out a limited amount. They may also be able to work with their own insurance company to file a claim with their own uninsured / underinsured motorist coverage, which is meant to provide liability insurance coverage in auto accident cases where car accident injury victims are unable to recover compensation from the at-fault driver. 

Working with an attorney can help victims during an investigation phase before determining the best steps forward to recover the money they are rightfully owed after the frustrating, painful, and terrifying experience of auto accidents. Whether the best path towards financial compensation is through Personal Injury Protection or other liability coverage will be determined throughout the investigative process.

Sideswipe Collision   

A sideswipe collision happens when two vehicles traveling in the same direction slide past each other along their respective sides, usually due to the at-fault driver’s improper lane change. This type of car accident may result in one of the vehicles being forced into oncoming traffic or into another obstacle.

A collision like a sideswipe where both vehicles are moving in the same direction may make it difficult to determine exactly who caused the crash by using evidence, so things like eyewitness accounts (as well as your own personal account of the collision) will play an important role in the process of assigning liability.

Low-Speed Impacts

Common in parking lots, side roads, and in traffic conditions, low-speed impacts are still able to cause serious harm to victims. Car accident injuries like whiplash and airbag injuries are the most common in these types of crashes, but due to the seemingly-minor nature of a low-speed impact, victims can be taken by surprise when the severity of their injuries becomes apparent, and may feel uncomfortable addressing these injuries.

No matter how minor or major your accident seems to be, it’s important to connect with a personal injury attorney who is willing to fight for the compensation you deserve. A soft-tissue injury from a low-speed crash can have significant impacts on your life, and there is no reason that you should suffer the consequences of someone else’s driving without fair compensation.

Common Personal Injuries From Car Accidents

The injuries below are just a few of the many different injuries that victims may suffer as a result of their involvement in an accident. 

Graph of Traffic Crash Trends
Source: https://dps.mn.gov/divisions/ots/reports-statistics/Documents/CFmod_2021_Doc.pdf

Whether or not you see your car accident injuries below, contact us right away to connect with an attorney who will help you make sense of your situation and fight for the compensation you deserve.

Whiplash

Whiplash is a soft-tissue injury that happens when the head is jerked forward, down, and back in a car crash, tearing and pulling the muscles, ligaments, and tendons in the upper back and neck. After an auto accident, a car accident victim may not immediately realize their injury — or the extent of the injury — as it takes some time after the trauma for the injured area to swell and become inflamed. This is one of many reasons why Minnesota car accident lawyers implore people not to comment on their condition at the scene of the crash, or at all to the other driver’s insurance company adjuster.

Whiplash is one of the most common injuries after a motor vehicle accident, and leaves car accident victims suffering from a variety of symptoms like a stiff neck, headaches, jaw pain, mobility issues, lost wages from time missed at work, and medical expenses while they work through physical therapy and potential surgery to recover.

Fractures

A bone will fracture when it is subjected to forces beyond its tensile strength. In plain terms, this is common in an auto accident when the passenger is thrown forward into a hard surface like a dashboard or vehicle door, causing the bone to break in a number of possible ways. 

Many car accident clients suffer from broken bones, but the impact of this type of personal injury goes well beyond medical bills: a fracture will lead to other hardships such as lost wages, a measurable loss of quality of life during the recovery process, and potential ongoing medical issues like nerve damage. Car accident lawyers understand how to gather and then quantify all of these impacts as they seek fair compensation for accident victims in a personal injury case.

Bruising and Lacerations

Minnesota car accident attorneys often work with car accident injury victims who have suffered serious bruising or laceration, each of which can cause serious issues whether or not they require significant medical intervention. 

Most bruises will resolve on their own, while lacerations may require medical attention and may need to be stiched or otherwise closed, leading to medical expenses and ongoing inconveniences or disruptions to a victim’s ability to live their life normally. 

Internal Bleeding

Many car accidents can cause internal bleeding as a result of the impact, which is a serious medical condition that must be examined by a doctor as soon as possible. If you are experiencing any discomfort after an auto accident but do not see any visible trauma, this may be an indication that you are dealing with an internal injury that can be fatal if not cared for immediately.

Some people will try to suffer through invisible injuries in the hopes of avoiding additional medical bills, but they will be able to recover these damages while working through the car accident claims process with the support of experienced personal injury attorneys.

Spinal Cord Injuries

The spinal cord is a bundle of nerves that runs from the brainstem to the lower back. These nerves allow the brain to send signals to the rest of the body that control movement, sensory information, and autonomic functions. Depending on the severity of the injury, a spinal cord injury can lead to issues like sensation loss to full paralysis, and may be fatal.

Minneapolis car accident attorneys have the resources to identify and then calculate the long-term impacts of this type of serious injury as they seek compensation through a personal injury case. Victims and their family members will be left dealing with medical bills, lost wages, and significant decreases to their quality of life following this permanent injury, and these impacts must be accounted for while seeking justice from the at-fault driver and their insurance company.

Traumatic Brain Injuries

Traumatic brain injuries are alarmingly common after Minneapolis motor vehicle accidents, and can range from mild headaches the days following the car crash to significant concussions or permanent brain damage. Many of these impacts can feel intangible and won’t necessarily have a dollar value appended to them, but Minneapolis car accident lawyers will be able to address each of these impacts as they seek fair compensation from the insurance company.

Historically, a traumatic brain injury was often dismissed, referred to dismissively as “getting your bell rung,” but as medical science evolves and brain scanning capabilities improve, it is becoming clear that even a mild concussion can have significant impacts on a victim’s life. If you experience even a headache after a motor vehicle accident, it is important that you consult with a doctor right away to make sure that you are getting the care you need in order to avoid long-term consequences that could have been addressed.

Frequently Asked Questions About Car Accident Attorneys

How much do Minneapolis car accident lawyers charge for a car accident case?

Minneapolis car accident lawyers work on a contingency fee basis, which means that they collect their payment as a percentage of the final settlement or award — only if they win. If you do not win your case, you won’t owe your Minneapolis car accident attorneys a dime.

Do I need an attorney to file a claim with an insurance company?

There is no law that says car accident victims must work with a car accident attorney, but the benefits of professional support are substantial. We encourage you to contact CarAccidentAttorney.com today to connect with a car accident attorney for a free consultation to discuss these benefits and learn more about the help you will receive.

If I hire a personal injury attorney, will I need to file a car accident lawsuit?

Car accident attorneys will most often work towards a settlement agreement before even filing a motion in the Minnesota courts. Some estimates show that up to 95% of all personal injury claims are settled before trial, and 50% of these cases are resolved before they are filed in court at all. Your experience may differ, but keep in mind that many of these settled cases are handled by car accident attorneys.