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What Insurance Coverage Applies To Accidents?

Auto insurance can be a complicated topic to understand. If you find yourself involved in a car accident, you may have more questions than answers when it comes to how your insurance coverage will apply. At Walsh & Gaertner, we have a wealth of experience in this area, and we are happy to offer our clients the guidance they need. Here are a few types of insurance coverage that can be applied after an auto collision:

Minnesota No-Fault Insurance

Under Minnesota law, insurance companies are required to provide no-fault automobile insurance as part of every automobile policy. This means your automobile insurance company is required to pay for your medical expenses, wage loss and replacement services due to injuries from a motor vehicle accident, regardless of what or who caused it. Seems easy, right? Well, many times it’s not, but don’t worry, our legal team handles this situation all the time. We’ll assist you in setting up your no-fault claim to make sure you’re reimbursed properly. Some no-fault benefits include:

  • Up to $20,000 for reasonable, necessary and related medical expenses for injuries suffered in the crash, including the following:
    • Medical, surgical, X-ray, hospital, nurse and extended care services
    • Costs for optical, dental, chiropractic and rehabilitative services
    • Prosthetic devices and prescription drugs
    • Ambulance expenses and mileage reimbursement for medical treatment transportation
  • Up to $20,000 for lost wages and/or replacement services


Sometimes our best preventative efforts simply aren’t enough. Unfortunately, for every safe driver on the road, there is another who’s texting, surfing the web, or just plain careless while driving. If you are involved in an accident caused by another driver, we should be your first call after 9-1-1. We’ll help you make a claim against the at-fault driver and get the funds you need to ease your pain and suffering. Now, if there’s a dispute over who caused the accident, that’s when we roll up our sleeves and get to work. We’ll conduct a complete and thorough investigation to prove beyond a shadow of a doubt where the liability really lies. In order to present a claim against an at-fault driver in Minnesota, you have to meet a legal requirement called “threshold.” Threshold includes four distinct requirements, and at least one must be met before pursuing a liability claim:

  • A permanent injury
  • Scarring or disfigurement
  • Medical expenses in excess of $4,000 (excluding diagnostic tests)
  • 60 days of disability
  • Death

Uninsured Motorist

We know, it sounds like a nightmare. You’ve been involved in an accident, only to learn the other driver doesn’t have insurance. Unfortunately, this is a reality for many Minnesotans who find themselves in the aftermath of a motor vehicle accident. This is unfortunately more common than you might believe — it is estimated that one out of seven drivers on the road are uninsured. Don’t worry, if this situation arises, we’ve got your back. You may be entitled to recover costs for the expenses the other driver would have paid from your insurance carrier. This is called uninsured motorist coverage, and if you carry car insurance, you have this protection.

Underinsured Motorist

What happens if you’re involved in a car accident, and the other driver does not carry a policy large enough to compensate you for your injuries? You call us. Even if the other driver has insurance, it may not be enough to reimburse you for the medical expenses you have incurred as a result of an accident. Underinsured motorist coverage is another layer of protection you carry under your own car insurance. In cases like these, it’s important to contact the attorneys at Walsh & Gaertner to discuss your options before you pursue your claims. We’ll make sure you get the best possible compensation.

Our Firm Understands The Complexities Of Auto Insurance

An experienced attorney can be a major asset when insurance matters arise. If you are looking for a lawyer in the St. Paul area, contact our firm today. You can reach us by phone at 651-968-8028, or by sending us an email through our contact page.