After a motor vehicle or personal injury accident in Minnesota, one of the most immediate concerns is how to manage medical expenses. Our attorneys are here to help you navigate state laws to determine who is responsible for your treatment costs and how laws and legislation may influence the order of payment. Medical bills can accumulate quickly, and knowing who pays first, and under what conditions, is the task of a St. Paul injury attorney, allowing you to focus your energy on the recovery process.
Minnesota uses a no-fault insurance system for motor vehicle accidents. If you are injured in a car crash, your own personal injury protection (PIP) coverage pays for your medical expenses, regardless of who caused the accident. State law requires every automobile insurance policy issued in Minnesota to include at least $20,000 in medical expense coverage under PIP. This means you submit your medical bills directly to your own auto insurance company before seeking payment from any other party.
If your medical expenses exceed the PIP limit, then additional options may become available. You may turn to your health insurance or pursue a claim against the at-fault party’s liability coverage, depending on the circumstances of the accident and the severity of your injuries.
Health Insurance and Coordination of Benefits
Once your PIP benefits are exhausted, your health insurance may begin covering additional treatment costs. Some providers may require documentation showing that PIP benefits were fully used before they agree to pay. We assist with this transition and help you submit the correct forms, so your care continues without interruption.
If your health insurance pays for treatment that was caused by someone else’s negligence, the insurer may have a right to be reimbursed from any settlement you receive later. This process is known as subrogation. Minnesota law limits some subrogation claims, particularly when they conflict with your ability to recover full compensation. We review all health plan terms to make sure your financial recovery is protected, and no party takes more than permitted by state and federal law.
Liability Claims and Future Medical Costs
If another party is responsible for your injuries, you may file a liability claim seeking compensation for medical bills that PIP or health insurance did not cover. This includes ongoing care, surgery, rehabilitation, and future treatments that may be necessary. We work with your medical providers to obtain future cost estimates and include them as part of your claim against the at-fault party.
In Minnesota, you can also seek reimbursement for expenses you paid out of pocket, such as co-pays, deductibles, and non-covered treatments. Keeping detailed records of every bill and payment supports your claim and helps ensure full reimbursement.
Our team will guide you through this system, coordinate benefits, and pursue the compensation you are entitled to under Minnesota law. Schedule a consultation with us today at Rutzick Law Offices in St. Paul, MN. Our goal is to make sure your treatment costs are addressed and your legal rights are preserved throughout your fight for a fair settlement.
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24 East 4th Street St Paul, MN 55101
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Monday-Friday 8:30-6pm
Phone: 651-237-2783
Email: arutzicklaw@comcast.net