Bodily Injury Claims in Minnesota

Minnesota Insurance Overview

Minnesota is a no-fault state with robust PIP coverage of at least $40,000 ($20,000 medical + $20,000 lost income). The state has a generous 6-year statute of limitations tied with Maine for the longest in the country. Minnesota's tort threshold requires medical expenses exceeding $4,000 or specific serious injuries.

Key Minnesota Laws

• Minnesota is a no-fault state requiring PIP coverage of at least $20,000 for medical expenses and $20,000 for lost income (Minn. Stat. § 65B.44).
• To sue outside the no-fault system, medical expenses must exceed $4,000 or injuries must involve permanent disfigurement, disability for 60+ days, or bone fractures.
• Minnesota has an exceptionally long 6-year statute of limitations for both personal injury and property damage.

How to File Bodily Injury Claims in Minnesota

How to file a bodily injury liability claim, document your injuries, calculate pain and suffering, and negotiate a fair settlement for your medical expenses.

In Minnesota, it's critical to understand the state's no-fault (pip) system and the 6-year personal injury statute of limitations when pursuing bodily injury claims. Missing these deadlines can result in a complete loss of your right to compensation.

1. Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your bodily injury claims in Minnesota.
2. Report to your insurer promptly — PIP claims should be filed promptly; generous 6-year lawsuit deadline. Delays can jeopardize your claim under MN law.
3. Know your Minnesota rights — Under Minnesota's no-fault (pip) system, your recovery may be affected by your percentage of fault.
4. Contact the Minnesota Department of Commerce — If your insurer acts unfairly, file a complaint at https://mn.gov/commerce/consumers/insurance/ or call (651) 539-1500.
5. Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Minnesota law.