Anyone who has been involved in a vehicular accident, regardless of fault, can avail of No-Fault Benefits which would include compensation for wage lost, medical expenses and a replacement vehicle. It is also termed as Personal Injury Protection Benefit or PIP. Certain states like Minnesota have enacted laws requiring vehicle owners to have no-fault coverage as part of their automobile insurance coverage.
Moreover, Minnesota also encourages vehicle owners to have at least a minimum no-fault policy which will disburse $20,000 for an individual’s medical coverage and another $20,000 to cover other losses.
As a rule of thumb, in cases of vehicular accidents, it is imperative that you get in touch with your automobile insurance agent to report accident. Your agent will furnish you an application for no-fault benefits if you sustain injuries. These benefits may include wage loss, medical expenses, mileage and replacement services and other economic damages.
www.nvo.com presents below conditions for a claimant to be qualified:
oMedical expenses of $4,000 or more. oSome or all of injuries are permanent. oA permanent scar and/or disfigurement. oThe injury results in disability for 60 days or more. oDeath. If victim dies as a result of someone else's negligence, family has a wrongful death claim.
Medical expenses that will be covered by No Fault are those medical expenses that are reasonable and necessary are covered. Often, this definition may exclude experimental treatments or holistic treatments. Minnesota Statutes § 65B.44 specifically includes as necessary following:
omedical, surgical, x-ray, optical, dental, chiropractic, and rehabilitative services, including prosthetic devices