Liability Claim Process in Minnesota
Everything you need to know about liability claim process in Minnesota (MN), including state-specific laws, filing deadlines, and how to contact the Minnesota Department of Commerce.
Minnesota law at a glance
Last reviewed against the sources linked below.
What is the total loss threshold in Minnesota?
Minnesota defines a salvage vehicle as one an insurer has declared a total loss, or one whose repair cost exceeds 80% of its value immediately before the damage.
Source: Minn. Stat. § 168A.01, subd. 17b
Does a Minnesota total-loss payment have to include sales tax and title fees?
For a first-party auto total loss, a Minnesota insurer's cash settlement must be based on the cost of a comparable car including applicable taxes, license fees (at least pro rata) and fees incident to transferring ownership.
Source: Minn. Stat. § 72A.201, subd. 6
How long do you have to sue over car damage in Minnesota?
Minnesota allows six years to sue for taking, detaining or injuring personal property, which covers vehicle damage.
Source: Minn. Stat. § 541.05, subd. 1(4)
Which Minnesota rule governs how auto insurance claims are settled?
Minnesota's unfair claims practices statute sets auto claim standards, including the two settlement options an insurer must offer on an actual-cash-value total loss.
Source: Minn. Stat. § 72A.201, subd. 6
General information about Minnesota law, not legal advice. Laws and policies change and your policy wording matters; check the cited source or ask a Minnesota attorney before relying on a deadline. No outcome is guaranteed.
Minnesota Insurance Regulation Overview
Minnesota's Department of Commerce regulates insurance and provides consumer protection. As a no-fault PIP state with a 6-year statute of limitations, Minnesota provides generous timelines for consumers to file claims.
Key Minnesota Insurance Regulations
- Modified comparative fault — barred at 51% or more fault
- 6-year statute of limitations for personal injury and property damage
- No-fault PIP state — PIP coverage required
- Mandatory auto insurance: 30/60/10 minimum liability
How to File Liability Claim Process in Minnesota
When filing liability claim process in Minnesota, it's important to understand the state's specific insurance regulations and consumer protections. The Minnesota Department of Commerce oversees insurance companies operating in Minnesota and provides resources for consumers who need assistance with their claims.
Step-by-Step Process for Minnesota
- Document your claim — Gather all evidence relevant to your liability claim process including photos, receipts, medical records, and any correspondence with your insurance company.
- Review your policy — Check your insurance policy for specific coverage terms, deductibles, and exclusions that apply in Minnesota.
- File promptly — Minnesota has specific deadlines for reporting insurance claims. Contact your insurer as soon as possible to initiate the claims process.
- Know your rights — Under Minnesota law, insurance companies must handle claims fairly and in a timely manner. If you believe your claim was wrongfully denied, you can file a complaint with the Minnesota Department of Commerce.
- Check the numbers — Compare the insurer's offer or denial with the Minnesota rules above and the policy wording. InsurifyAI can review the insurer's report and help you put your response in writing; you (or your attorney) present it to the insurer.
Minnesota Department of Commerce
Phone: (651) 539-1500
Website: https://mn.gov/commerce/insurance/
File a Complaint: Consumer Complaint Portal
Commissioner: Grace Arnold
More on Minnesota auto claims
By insurer in Minnesota
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