1. Bicyclists that are injured in a motor vehicle accident are entitled no-fault benefits (medical and wage loss) by Minnesota law.
2. You are entitled to no-fault benefits no matter who is at fault.
3. No-fault provides up to $20,000 in medical benefits and up to $20,000 in wage loss benefits.
4. No-fault medical benefits are “primary” and must be exhausted or denied before billing your health insurer.
5. There is no co-pay or deductible when medical services are billed to the no-fault insurer.
6. An insurance company cannot raise rates if you collect no-fault benefits.
7. No-fault benefits are provided by your auto insurance company.
8. If you don’t have auto insurance, you can receive no-fault benefits under the policy of any household family member’s auto insurance.
9. If you don’t have auto insurance, and do not have a family member with insurance, you can receive no-fault benefits from any motor vehicle involved.
10. If you don’t have auto insurance, do not have a family member with auto insurance and the involved motor vehicle was uninsured, you can receive no-fault benefits through the State of Minnesota Assigned Claims Plan.
There could be some exceptions to no-fault coverage. Feel free to contact us to discuss your specific situation and policy.