Filing Claims in No-Fault States in Minnesota
Complete guide to filing claims in no-fault states in Minnesota (MN). Minnesota is a no-fault (pip) state with 30/60/10 minimum liability limits.
Fault System
No-Fault (PIP)
Min Liability
30/60/10
PI Statute
6 years
Diminished Value
Allowed
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 Filing Claims in No-Fault States in Minnesota
How auto insurance claims work in no-fault states, when you can sue the at-fault driver, PIP coverage requirements, and state-specific no-fault rules.
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 filing claims in no-fault states. Missing these deadlines can result in a complete loss of your right to compensation.
- Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your filing claims in no-fault states in Minnesota.
- Report to your insurer promptly — PIP claims should be filed promptly; generous 6-year lawsuit deadline. Delays can jeopardize your claim under MN law.
- Know your Minnesota rights — Under Minnesota's no-fault (pip) system, your recovery may be affected by your percentage of fault.
- 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.
- Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Minnesota law.
Minnesota Insurance FAQ
What PIP coverage does Minnesota require?
Minnesota requires comprehensive PIP coverage: at least $20,000 for medical expenses and $20,000 for income loss. This $40,000 total is among the highest mandatory PIP in the country, providing significant no-fault benefits after an accident.
When can I sue the other driver in Minnesota?
You can step outside Minnesota's no-fault system and sue the at-fault driver if your medical expenses exceed $4,000, or if your injuries involve permanent disfigurement, 60+ days of disability, or bone fractures.
What is the statute of limitations in Minnesota?
Minnesota has one of the longest statutes of limitations in the country at 6 years for both personal injury and property damage claims. This gives you substantial time to assess your injuries and pursue legal action.
Minnesota Department of Commerce
Phone: (651) 539-1500
More Insurance Guides for Minnesota
Filing Claims in No-Fault States in Other States
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