How does Car Insurance work in Minnesota if I have an injury?

If you have been involved in a car accident and have an injury understanding what to do next can be tricky and even be stressful. The most important thing you can do is to first get an examination by a medical provider who specializes in treating car accident conditions. At West End Chiropractic and Wellness our team has been helping patients with injuries from car accidents for over 20 years. To learn more about what to do following a car accident continue reading below.

In 1974 Minnesota passed the No-Fault Automobile Insurance Act, which is why you hear people refer to Minnesota as a “no  fault” state.  This law requires Minnesota residents at all times to maintain basic automobile liability coverage insurance on vehicles owned and operated in Minnesota.  Built into each and every Minnesota automobile insurance plan is something called “Personal Injury Protection” or (PIP).  Personal injury protection was designed to cover medical bills that result from a car accident.

What this means is that if you are involved in a car accident, resulting in injury to you or your family members, your car insurance company will cover the medical costs accrued during the recovery.  Personal injury protection will cover up to $20,000.00 of medical bills that result from a car accident injury.  Anything from an ambulance ride to chiropractic care is covered at 100% by the car insurance company.  By using PIP you will not receive any penalties from the insurance company or have increased premiums.

In order to utilize your personal injury protection you must file a claim with your car insurance company.  Once the insurance company has submitted a claim number you are ready to start your road to recovery.  All you have to do is fill out a little paper work and you can start receiving treatment.  If you have questions regarding this paperwork, your insurance company can help answer these questions.

Remember injuries from car accidents such as whiplash can occur at minimal speeds, as low as 5-10 MPH, with symptoms presenting a few days to weeks after the accident occurs.  Whiplash is generally associated with neck pain, but can present as low back pain as well.  Other injuries such as muscle pain, tightness, soreness and even shooting or radiating pain can occur.

If you have recently been involved in a car accident please give us a call at (952) 500-8477 or click here to schedule a FREE EXAM at WEST END CHIROPRACTIC and WELLNESS.

West End Chiropractic and Wellness is your Twin Cities leader in auto and car accident injuries

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