Minnesota's no-fault law affects many aspects of car accidents for those who have Minnesota car insurance. Under this law, if you are injured in a car accident, your own car insurance pays for your lost wages up to $20,000. There is a weekly maximum of 85% of your gross salary not to exceed $250/week. It does not matter if you were not at fault for the accident. Your own insurance pays for your wage loss. However, your insurance rates will not go up because of this payment of wage loss unless you were at fault in causing the accident. In that case, your insurance rates may go up for your negligent driving, but not for your receipt of wage loss benefits.

There are also benefits available if you need to hire someone to do things for you such as housekeeping, mowing the lawn or shoveling the snow. These are known as replacement services and are also subject to the $20,000 limit for wage loss.

About the Author

Todd A. Johnson is a board certified civil trial specialist certified by the Minnesota State Bar Association. He can be reached through the website Johnson & Bannon