MN

Minnesota Insurance Regulations

Consumer rights and insurance laws in Minnesota

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 Insurance Regulations in Minnesota

  • 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

Filing an Insurance Complaint in Minnesota

If you believe your insurance company has acted unfairly or violated Minnesota insurance laws, you can file a complaint with the Minnesota Department of Commerce. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Minnesota Department of Commerce typically responds to complaints within 30 days.

Minnesota Department of Commerce

Insurance Commissioner: Grace Arnold

Phone: (651) 539-1500

Website: https://mn.gov/commerce/insurance/

File a Complaint: Consumer Complaint Portal

Diminished value claims in Minnesota

Generally yes. In Minnesota, the drop in market value a repaired car suffers is part of the property-damage claim you make against the at-fault driver's insurer, and Minnesota gives you six years to sue for injuring personal property (Minn. Stat. § 541.05, subd. 1). Under Minnesota's modified comparative fault rule (Minn. Stat. § 604.01), you can recover as long as your fault is not greater than the other driver's, reduced by your share.

Read the Minnesota diminished value guide

Insurance Claim Guides for Minnesota

Browse our detailed insurance claim guides tailored specifically to Minnesota laws and regulations.

Auto Insurance Claims in MinnesotaHome Insurance Claims in MinnesotaHealth Insurance Appeals in MinnesotaInsurance Denial Letter Templates in MinnesotaDemand Letter Guide in MinnesotaInsurance Settlement Calculator Guide in MinnesotaDiminished Value Claims in MinnesotaTotal Loss Dispute Guide in MinnesotaBad Faith Insurance Claims in MinnesotaUnderinsured Motorist Claims in MinnesotaUninsured Motorist Claims in MinnesotaRental Car Insurance Coverage in MinnesotaGAP Insurance Claims in MinnesotaInsurance Subrogation Explained in MinnesotaPIP (Personal Injury Protection) Guide in MinnesotaBodily Injury Claims in MinnesotaProperty Damage Claims in MinnesotaLiability Claim Process in MinnesotaComprehensive Insurance Claims in MinnesotaCollision Insurance Claims in MinnesotaFlood Insurance Claims in MinnesotaFire Insurance Claims in MinnesotaTheft Insurance Claims in MinnesotaVandalism Insurance Claims in MinnesotaAuto Glass Insurance Claims in MinnesotaHail Damage Insurance Claims in MinnesotaWind Damage Insurance Claims in MinnesotaWater Damage Insurance Claims in MinnesotaMold Insurance Claims in MinnesotaRoof Damage Insurance Claims in MinnesotaFoundation Damage Claims in MinnesotaSinkhole Insurance Claims in MinnesotaEarthquake Insurance Guide in MinnesotaHurricane Insurance Claims in MinnesotaTornado Damage Insurance Claims in MinnesotaLightning Damage Insurance Claims in MinnesotaTree Damage Insurance Claims in MinnesotaFence Damage Insurance Claims in MinnesotaAppliance Breakdown Claims in MinnesotaIdentity Theft Insurance Claims in MinnesotaCyber Insurance Claims in MinnesotaPet Insurance Claims in MinnesotaTravel Insurance Claims in MinnesotaLife Insurance Disputes in MinnesotaDisability Insurance Claims in MinnesotaWorkers' Compensation Claims in MinnesotaLong-Term Care Insurance Claims in MinnesotaDental Insurance Appeals in MinnesotaVision Insurance Claims in MinnesotaPrescription Drug Appeals in MinnesotaAccident Scene Documentation in MinnesotaInsurance Adjuster Tactics in MinnesotaDiminished Value Calculator Guide in MinnesotaTotal Loss Vehicle Valuation in MinnesotaCCC Valuation Report Explained in MinnesotaPain and Suffering Calculation in MinnesotaMedical Bills in Auto Claims in MinnesotaLost Wages Insurance Claims in MinnesotaFiling a Bad Faith Insurance Lawsuit in MinnesotaWhen to Hire a Car Accident Lawyer in MinnesotaInsurance Claim Timeline Guide in MinnesotaIndependent Vehicle Appraisal Guide in MinnesotaAppraisal Clause in Auto Insurance in MinnesotaDiminished Value by State in MinnesotaTotal Loss Threshold by State in MinnesotaRental Car After an Accident in MinnesotaYour Rights During Car Repairs in MinnesotaOEM Parts in Insurance Claims in MinnesotaInsurance Negotiation Tactics in MinnesotaDemand Package for Auto Claims in MinnesotaCommon Insurance Claim Denial Reasons in MinnesotaStatute of Limitations for Auto Claims in MinnesotaFiling Claims in No-Fault States in MinnesotaAt-Fault Accident Claims in MinnesotaComparative Negligence in Claims in MinnesotaUninsured Motorist Property Damage in MinnesotaHit and Run Insurance Claims in MinnesotaParking Lot Accident Claims in MinnesotaRideshare Accident Insurance Claims in MinnesotaCommercial Vehicle Accident Claims in MinnesotaDeer Collision Insurance Claims in MinnesotaFlood Car Damage Claims in MinnesotaCatalytic Converter Theft Claims in MinnesotaCar Break-In Insurance Claims in MinnesotaTire Blowout Accident Claims in MinnesotaPothole Damage Insurance Claims in MinnesotaHail Damage Car Claims in MinnesotaHow to Review Your Auto Insurance Policy in MinnesotaAuto Insurance Coverage Gaps in MinnesotaMulti-Vehicle Accident Claims in MinnesotaDisputing Fault Determination in MinnesotaFiling an Insurance Commissioner Complaint in MinnesotaNegotiating Diminished Value Claims in MinnesotaFighting a Total Loss Declaration in MinnesotaBodily Injury Settlement Guide in MinnesotaInsurance Fraud Prevention Guide in MinnesotaSubstandard Auto Repair Claims in MinnesotaTotal Loss Buy-Back Process in MinnesotaInsurance Claims After a DUI in MinnesotaCommercial Auto Insurance Claims in MinnesotaStorage Unit Insurance Claims in Minnesota

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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