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Is Minnesota an at-fault state?
I was stopped at a red light and got rear-ended so hard that now I have to accessorize all my outfits with a neck brace. I’ve never put in a claim for an accident before and am a bit unsure of how it works. That’s why I’m wondering, is Minnesota classified as an at-fault state?
Mary Cahill · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Ouch! Sorry to hear about this! Minnesota is not an at-fault state, but rather a no-fault state. This means that any bodily injuries sustained in a car accident will be covered by your own insurance company, regardless of who caused the accident.
One of the biggest insurance differences between at-fault and no-fault states is that most no-fault states require drivers to carry
personal injury protection
as part of their minimum liability insurance policy. Personal injury protection, also called PIP or Basic Economic Loss Benefits, is what helps cover your medical expenses after a collision. Minnesota’s car insurance laws
state that all drivers must carry PIP coverage—but even with this extra coverage, you can still find a good deal on insurance in Minnesota
with a little help from the Jerry
app.Purchasing a great
car insurance
policy is super easy when you browse quotes with Jerry. As a licensed broker, Jerry pulls the cheapest rates from over 55 name-brand insurers and delivers the best rates straight to your smartphone. On average, Jerry users save upwards of $800 a year on car insurance! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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