Injured Minnesota Bicyclists Protected

 

038400-glossy-black-icon-transport-travel-transportation-bicycleTEN THINGS A MINNESOTA RESIDENT SHOULD KNOW IF
INJURED IN A BICYCLE VS. MOTOR VEHICLE ACCIDENT

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.

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There could be some exceptions to no-fault coverage. Feel free to contact us to discuss your specific situation and policy.